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Golden Bank Review

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Golden Bank Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Golden Bank first started operating in 1985 with headquarters located in Houston, Texas. Golden Bank manages $806 million in assets as well as $648 million in deposits, classifying it as a medium-size bank. Golden Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Overall, Golden Bank is an acceptable bank choice, but may leave you wanting more, with a rating of 3.7 stars out of 5 from our team. Golden Bank has a complete suite of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. Golden Bank has a fair savings rate; other popular banks have higher rates. Locating a checking account with no monthly fee as well as a savings account with a high APY at the same bank is the best option for accruing the most income from your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Golden Bank has a savings rate of 0.25%, which is poor compared to the national average. Golden Bank's one-year CD earns at a rate of 1.40%, while its highest-yielding money market account has a rate of 0.25%. Given Golden Bank's below average savings rate, you should consider opting for higher earning savings accounts with other banks.

How Golden Bank's Savings Rates Compare

Golden Bank Savings 0.25 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

There is insufficient data on Golden Bank's fees to provide a full SmartAsset rating.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Golden Bank is a brick-and-mortar bank, with seven total bank locations in California and Texas. With a mobile app, Golden Bank provides straightforward mobile banking, even from home or work. Golden Bank receives an excellent consumer satisfaction rating due to comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Golden Bank ranks as a medium-size bank and handles $806 million in assets as well as $648 million in deposits. Golden Bank's Texas Ratio is 2.83%, signifying a negligible likelihood of failure. Additionally, Golden Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Golden Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.25% APY $100
Checking Account 0.15% APY $1000
Certificates of Deposit
  • 12 Month: 1.40% APY
  • 24 Month: 2.30% APY
  • 36 Month: 2.10% APY
$1500 for all terms
Money Market Account 0.25% APY $10000

Golden Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Golden Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Golden Bank's CD rates are fair as compared against the national average.

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Find a Golden Bank Near Me

Golden Bank has seven physical locations across the U.S.

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