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Quail Creek Bank Review

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Quail Creek Bank Savings
0.30% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Founded in 1974, Quail Creek Bank has assets totaling $632 million and $548 million in deposits, ranking it as a medium-size bank. Quail Creek Bank, whose headquarters are in Oklahoma City, Oklahoma, 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 in-person service, in addition to its online and mobile apps. Overall, Quail Creek Bank is an excellent bank that you should strongly consider, with a score of 4.6 stars out of 5 from our experts. Quail Creek Bank provides customers with the complete slate of banking products, including savings accounts, checking accounts, money market accounts, CDs and IRAs. It has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, Quail Creek Bank's most basic checking account does not carry a monthly fee. Finding a checking account with no monthly fee as well as a savings account with a high APY at the same institution is the best option for gaining the most income on your deposits while maintaining easy 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 0.30%, Quail Creek Bank ranks poorly in comparison to other U.S. banks. Quail Creek Bank's one-year CD has a rate of 1.76%, while its highest-yielding money market account has a rate of 0.75%. Given Quail Creek Bank's poor savings rate, you should think about looking elsewhere to open savings accounts.

How Quail Creek Bank's Savings Rates Compare

Quail Creek Bank Savings 0.30 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, Quail Creek Bank charges its customers extremely low fees in comparison to other U.S. banks. With no monthly fee, Quail Creek Bank's checking account is perfect for people who need an easy banking experience. Quail Creek Bank reimburses any incurred out-of-network ATM charges (with conditions), making ATM withdrawals a free and simple process.

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

Quail Creek Bank is a brick-and-mortar bank, with one total branches in Oklahoma. It also offers access to mobile and web apps for easy access and banking on the go. It does not have all-day customer service with representatives. You can get help during its hours, which are Monday through Friday and 8:00 a.m. to 5:00 p.m. CT. Quail Creek Bank receives relatively high praise from customers for its mobile platform. The Quail Creek Bank mobile app has an overall rating of 4.3 out of 5 (out of 32 ratings on Apple and Android) compared to the national average of 3.8. Quail Creek Bank's mobile app allows you to manage your funds by monitoring account balances, sending and receiving funds as well as reaching support representatives. Quail Creek Bank receives an excellent consumer satisfaction rating based on comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.3/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Quail Creek Bank ranks as a medium-size bank with assets totaling $632 million and $548 million in deposits. Quail Creek Bank's Texas Ratio is 5.78%, suggesting a tiny possibility of failure. Additionally, Quail Creek Bank 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.

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Compare Quail Creek Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.3% APY $1
Checking Account 0.05% APY $5000
Certificates of Deposit
  • 12 Month: 1.76% APY
  • 24 Month: 2.02% APY
$2500 for all terms
Money Market Account 0.65% APY $5000

Quail Creek Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Quail Creek Bank does not have the best savings rate, which means you should consider 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. Quail Creek Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a Quail Creek Bank Near Me

Quail Creek Bank has one locations across the U.S.

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