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Hilltop National Bank Review

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Hilltop National Bank Money Market
0.30% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Hilltop National Bank first started operating in 1964 with headquarters located in Casper, Wyoming. It has $735 million in assets and $653 million in deposits, classifying it as a medium-size bank. Hilltop National Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. At a SmartAsset rating of 4.2 out of 5 stars, Hilltop National Bank should be solidly in contention for your choice of bank. Hilltop National Bank provides customers with a variety of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Hilltop National Bank has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, the bank's most basic checking does not have a monthly fee. Banks that offer free checking and a high savings APY are the best option for getting the highest income from your deposits while maintaining easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.2/5
National Average: 4.1

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

Rates

3.5
SmartAsset Average: 3.5

Its one-year CD has a rate of 0.80% and the five-year CD has a rate of 1.81%, while its highest-yielding money market account has a rate of 0.30%.

How Hilltop National Bank's Savings Rates Compare

Hilltop National Bank Money Market 0.30 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

Hilltop National Bank charges customers extremely low fees in comparison to the average U.S. bank. Hilltop National Bank's checking account has no monthly fee, ranking it excellent for anyone looking for a hassle-free account. Hilltop National Bank does not refund out-of-network ATM fees, which means you'll be required to search for a Hilltop National Bank ATM or accept the withdrawal fee.

Monthly Fee $0 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

3.3
SmartAsset Average: 3.7

Hilltop National Bank is a brick-and-mortar bank, with six total branches in Wyoming. It also offers access to mobile and web apps for a straightforward mobile-banking experience. Hilltop National Bank gets inferior reviews from customers for its online presence. With 16 customer reviews on Apple and Android platforms, the Hilltop National Bank mobile app rates a 2.8 out of 5 (compared to the national average of 3.8). You can access Hilltop National Bank's app to manage your funds by checking monthly statements, sending and receiving money as well as reaching support representatives. Hilltop National Bank gets a superb consumer satisfaction score due to comparatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 2.8/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

5.0
SmartAsset Average: 4.8

Hilltop National Bank is currently a medium-size bank with $735 million in assets as well as deposits totaling $653 million. It has an excellent Texas Ratio of 0.08%, indicating a minute possibility of failure. Additionally, Hilltop National 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 Hilltop National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Checking Account 0.1% APY $1000
Certificates of Deposit
  • 12 Month: 0.80% APY
  • 24 Month: 1.26% APY
  • 48 Month: 1.66% APY
  • 60 Month: 1.81% APY
$10000 for all terms
Money Market Accounts 0.3% APY 0.3% APY $10000 $15000

Hilltop National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Hilltop National Bank does not have the best savings rate, which means you should consider taking a look 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. Hilltop National Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a Hilltop National Bank Near Me

Hilltop National Bank has six locations across the U.S.

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