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Kirkpatrick Bank Review

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Kirkpatrick Bank Savings
0.20% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Kirkpatrick Bank started in 1970 and has its headquarters in Edmond, Oklahoma. It manages assets of $792 million along with deposits totaling $670 million, which makes it 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 conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. SmartAsset experts rated Kirkpatrick Bank 4.1 stars out of 5, suggesting it is a good bank that warrants your consideration. Kirkpatrick Bank has a choice of product offerings, including savings accounts, checking accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, Kirkpatrick Bank offers an option without a maintenance or monthly fee. Institutions that offer free checking and a high interest rate savings account are the best bet for accruing the highest income from your deposits alongside 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 0.20%, 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 0.65% and 1.76%, respectively, while its highest-yielding money market account earns at an APY of 0.20%. Given Kirkpatrick Bank's poor savings rate, you should think about choosing another bank to earn more on your deposits.

How Kirkpatrick Bank's Savings Rates Compare

Kirkpatrick Bank Savings 0.20 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, Kirkpatrick Bank charges its customers extremely low fees as compared against the national average. With no monthly fee, Kirkpatrick Bank is perfect for people who want a basic banking experience. Kirkpatrick Bank unfortunately doesn't reimburse out-of-network ATM fees, which means you will have to locate a Kirkpatrick Bank ATM or pay 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 branches in Colorado and Oklahoma. With mobile and web apps, Kirkpatrick Bank makes mobile banking easy, even on the go. Kirkpatrick Bank receives unsatisfactory feedback from customers for its online presence. The Kirkpatrick Bank mobile app is rated at 2.7 out of 5 (with 3 ratings on Apple and Android) compared to the national average of 3.8. You can utilize Kirkpatrick Bank's mobile app to control your bank accounts by checking account balances, transferring funds as well as reaching support representatives. Kirkpatrick Bank receives an outstanding consumer satisfaction score based on relatively few consumer complaints reported 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 currently a medium-size bank and has $792 million in assets as well as deposits totaling $670 million. Kirkpatrick Bank has an excellent Texas Ratio of 0.00%, signifying that the bank is in outstanding financial shape and far from 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 0.2% APY $1
Checking Account 0.15% APY $1500
Certificates of Deposit
  • 12 Month: 0.65% APY
  • 24 Month: 1.00% APY
  • 36 Month: 1.26% APY
  • 48 Month: 1.51% APY
  • 60 Month: 1.76% APY
$1000 for all terms
Money Market Account 0.2% APY $10000

Kirkpatrick Bank has several deposit products like savings accounts, checking accounts and CDs that provide you with many options to manage your money. Kirkpatrick Bank does not have the best savings rate, which means you should consider 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. 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 locations in the U.S.

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