Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

Pinnacle Bank - Wyoming Review

Your Details Done
by Updated
Pinnacle Bank - Wyoming Savings
0.60% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1918, Pinnacle Bank - Wyoming has assets totaling $807 million along with $711 million in deposits, which makes the institution a medium-size bank. Pinnacle Bank - Wyoming, whose headquarters are in Torrington, Wyoming, has above-average customer service access with a live chat feature, great for getting help during the work week. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Coming in at a superb 4.5 stars out of 5, Pinnacle Bank - Wyoming proves it is a superb bank that would be an ideal pick. Pinnacle Bank - Wyoming has multiple 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 looking for a checking account for everyday use, Pinnacle Bank - Wyoming offers an option without a maintenance or monthly fee. Institutions that offer no-fee checking as well as a high savings APY are the best option for accruing the highest income on your deposits alongside convenient access to your funds.

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 0.60%, Pinnacle Bank - Wyoming ranks poorly compared to the national average. Pinnacle Bank - Wyoming's CDs feature a rate of 2.13% and 2.52% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has an APY of 1.00%. Given Pinnacle Bank - Wyoming's below average savings rate, you should consider taking a look at other banks for savings accounts.

How Pinnacle Bank - Wyoming's Savings Rates Compare

Pinnacle Bank - Wyoming Savings 0.60 National Average 0.26 Compare Offers
Back to Overview


SmartAsset Average: 4.4

Pinnacle Bank - Wyoming charges customers extremely low fees compared to the national average. With no monthly fee, Pinnacle Bank - Wyoming's checking account is ideal for those who need a hassle-free checking account. Pinnacle Bank - Wyoming does not refund out-of-network ATM fees, which means you will need to find a Pinnacle Bank - Wyoming 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
Back to Overview

Service Quality

SmartAsset Average: 3.7

Pinnacle Bank - Wyoming is a brick-and-mortar bank, with 15 total branches in Nebraska and Wyoming. It also offers access to mobile and web apps for straightforward access and banking on the go. Pinnacle Bank - Wyoming also offers a live chat feature, an alternative customer service tool if you can't call in during business hours. Pinnacle Bank - Wyoming receives fairly high marks from customers for its mobile app. The Pinnacle Bank - Wyoming mobile app is rated at 4.0 out of 5 (out of 72 reviews on iOS and Android) compared to the national average of 3.8. You can use Pinnacle Bank - Wyoming's app to control your funds by monitoring current statements, sending and receiving money and accessing customer service. Pinnacle Bank - Wyoming receives an exceptional consumer satisfaction score due to comparatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 4.0/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
Back to Overview

Financial Health

SmartAsset Average: 4.8

Pinnacle Bank - Wyoming is currently a medium-size bank with $807 million in assets and $711 million in deposits. Pinnacle Bank - Wyoming's Texas Ratio is 7.13%, indicating that the bank is in good financial condition and far from failure. Additionally, Pinnacle Bank - Wyoming is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

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.

Back to Overview

Compare Pinnacle Bank - Wyoming to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.6% APY $1
Checking Account 0.26% APY $1000
Certificates of Deposit
  • 12 Month: 2.13% APY
  • 24 Month: 2.12% APY
  • 36 Month: 2.17% APY
  • 48 Month: 2.32% APY
  • 60 Month: 2.52% APY
$500 for all terms
Money Market Account 0.8% APY $1

Pinnacle Bank - Wyoming has several deposit products like savings accounts, checking accounts and CDs that provide you with many options to manage your money. Pinnacle Bank - Wyoming does not have the best savings rate, which means you should think about 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. Pinnacle Bank - Wyoming's CD rates are fair as compared against the national average.

Back to Overview

Find a Pinnacle Bank - Wyoming Near Me

Pinnacle Bank - Wyoming has 15 physical locations across the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure