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U. S. Century Bank Review

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U. S. Century Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Started in 2002, U. S. Century Bank has assets totaling $995 million along with deposits totaling $822 million, which makes it a medium-size bank. U. S. Century Bank, whose headquarters are in Doral, Florida, lacks premium access to customer service, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. With a score of 4.3 stars out of 5, U. S. Century Bank should be solidly in contention for your choice of bank. U. S. Century Bank offers the complete package of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. U. S. Century Bank has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, U. S. Century Bank's standard checking does not carry a monthly charge. Institutions that offer free checking, in addition to a high savings APY are your best option for gaining the most income from your deposits while maintaining convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.3/5
National Average: 4.1

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

Rates

3.0
SmartAsset Average: 3.5

With a savings rate of 0.05%, U. S. Century Bank ranks poorly compared to other U.S. banks. U. S. Century Bank's one-year CD earns at a rate of 0.55% and the five-year CD has a rate of 1.10%, while its highest-yielding money market account earns at an APY of 0.25%. Given its poor savings rate, you should think about taking a look at other banks for savings accounts.

How U. S. Century Bank's Savings Rates Compare

U. S. Century Bank Savings 0.05 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

U. S. Century Bank has typically extremely low fees in comparison to other U.S. banks. Its checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. U. S. Century Bank unfortunately does not refund out-of-network ATM fees, which means you will be required to locate a U. S. Century Bank ATM or accept the cost of withdrawal.

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

4.2
SmartAsset Average: 3.7

U. S. Century Bank is a brick-and-mortar bank, with 13 total branches in Florida. With mobile and web apps, U. S. Century Bank makes mobile banking easy, even on the go. U. S. Century Bank's online and mobile banking platforms get reasonably positive scores from users. With 41 customer reviews across Apple and Android platforms, the U. S. Century Bank mobile app has an overall rating of 4.4 out of 5 (compared to the national average of 3.8). You can access U. S. Century Bank's app to manage your finances by looking at account balances, sending and receiving funds and reaching customer service. U. S. Century Bank receives an excellent consumer satisfaction score due to 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 4.4/5
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

U. S. Century Bank ranks as a medium-size bank owning $995 million in assets and $822 million in deposits. It has an excellent Texas Ratio of 1.39%, denoting a minute probability of failure. Additionally, U. S. Century 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 U. S. Century Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $1
Checking Account 0.05% APY $1500
Certificates of Deposit
  • 12 Month: 0.55% APY
  • 24 Month: 0.75% APY
  • 36 Month: 0.85% APY
  • 48 Month: 0.95% APY
  • 60 Month: 1.10% APY
$1000 for all terms
Money Market Account 0.15% APY $10000

U. S. Century Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. U. S. Century Bank 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. U. S. Century Bank's CD rates are fair compared to the average U.S. bank.

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Find a U. S. Century Bank Near Me

U. S. Century Bank has 13 physical branches across the U.S.

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