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Kirkpatrick Bank Review

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Kirkpatrick Bank Savings
0.35% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Kirkpatrick Bank started in 1970 with headquarters in Edmond, Oklahoma. Kirkpatrick Bank handles assets of $792 million as well as $670 million in deposits, ranking it as a medium-size bank. Kirkpatrick Bank lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. With a score of 4.1 stars out of 5, Kirkpatrick Bank should be solidly in contention for your choice of bank. Kirkpatrick Bank offers an array banking products, which include savings accounts, checking accounts, CDs, IRAs, mortgage products and credit cards. Kirkpatrick Bank has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, Kirkpatrick Bank offers an option without a maintenance or monthly fee. Using an institution with free checking and a high savings APY is your best option for gaining the highest income from your deposits while maintaining 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

With a savings rate of 0.35%, Kirkpatrick Bank ranks poorly in comparison to the average U.S. bank. Kirkpatrick Bank's one-year and five-year term lengths CDs earn at a rate of 1.41% and 2.02%, respectively, while its highest-yielding money market account earns at a rate of 0.35%. Given its below average savings rate, you should think about other options to earn more on your deposits.

How Kirkpatrick Bank's Savings Rates Compare

Kirkpatrick Bank Savings 0.35 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Kirkpatrick Bank typically has extremely low fees compared to the national average. With no monthly fee, Kirkpatrick Bank is ideal for those who want a basic checking account. Kirkpatrick Bank unfortunately doesn't refund out-of-network ATM charges, which means you'll need to find a Kirkpatrick 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

SmartAsset Average: 3.7

Kirkpatrick Bank is a brick-and-mortar bank, with seven total bank locations in Colorado and Oklahoma. With mobile and web apps, Kirkpatrick Bank makes account access straightforward, even on the go. Kirkpatrick Bank's online and mobile banking services receive mediocre scores from customers. Out of 3 customer reviews across both iOS and Android platforms, the Kirkpatrick Bank mobile app rates a 2.7 out of 5 (compared to the national average of 3.8). You can access Kirkpatrick Bank's mobile app to control your accounts by reviewing current statements, transferring funds as well as reaching support representatives. Kirkpatrick Bank receives an exceptional consumer satisfaction rating due to comparatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 2.7/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Kirkpatrick Bank is a medium-size bank with $792 million in assets as well as $670 million in deposits. Its Texas Ratio is 0.00%, denoting a low chance of failure. Additionally, Kirkpatrick 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 Kirkpatrick Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.35% APY $1
Checking Account 0.2% APY $1500
Certificates of Deposit
  • 12 Month: 1.41% APY
  • 24 Month: 1.76% APY
  • 36 Month: 1.86% APY
  • 48 Month: 1.96% APY
  • 60 Month: 2.02% APY
$1000 for all terms
Money Market Account 0.35% APY $10000

Kirkpatrick Bank offers several deposit products including savings accounts, checking accounts and CDs to give you many options to manage your money. Kirkpatrick Bank does not have the best savings rate, which means you should think about other options 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. Kirkpatrick Bank's CD rates are fair compared to other U.S. banks.

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Find a Kirkpatrick Bank Near Me

Kirkpatrick Bank has seven physical branches across the U.S.

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