BancCentral CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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BancCentralToday's 12-month CD rates can be found at 4.75%, 6-month CD rates at 4.86% and 3-month CD rates at 3.75%. Current savings rates are at 0.15% and money market rates are at 3.25%. Mortgage rates today on 30-year fixed loans are around 7.07%. Credit Card rates are at 14.74%. Personal Loan rates are at 11.00%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to BancCentral CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from BancCentral, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with BancCentral CD rates. You can also compare BancCentral savings rates, MMA rates and mortgage rates using our other rate lists.

BancCentral money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BancCentral? Share your experience about BancCentral by leaving a review below, or read customer reviews before you decide to use BancCentral.

BancCentral Texas Ratio

BancCentral's Texas Ratio is at 164.66%, which is considered subpar. The Texas Ratio for BancCentral is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, BancCentral is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
BancCentral
602 Flynn St
Alva, OK 73717
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Compare BancCentral Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Quontic
Quontic
6-Month CD
5.05%
$500
Old Dominion National Bank
Old Dominion National Bank
9-Month
5.00%
$500
Blue Foundry Bank
Blue Foundry Bank
Savings Account BLUE AXIS EDGE
5.00%
$0
UB Union Savings Bank
UB Union Savings Bank
9-Month CD (special)
4.93%
$5,000
Security Bank Midwest
Security Bank Midwest
12-Month CD special
4.88%
$25,000
Napoleon State Bank
Napoleon State Bank
12-Month CD
4.85%
$500
C3bank
C3bank
6-Month CD
4.75%
$25,000
Beacon Community Bank
Beacon Community Bank
12-Month CD
4.75%
$250
Colonial Savings, F.A.
Colonial Savings, F.A.
13-Month CD
4.70%
$1,000
Northern Bank Direct
Northern Bank Direct
15-Month CD
4.50%
$500
Charter Bank TX
Charter Bank TX
6-Month CD
4.35%
$1,000
705 Federal Credit Union
705 Federal Credit Union
12-Month CD certificate
4.32%
$500
Gainey Business Bank
Gainey Business Bank
Money Market Tier 5
4.00%
$500,000
Fidelity Bank West Memphis, AR
Fidelity Bank West Memphis, AR
6-Month CD
3.85%
$500
Garden Plain State Bank
Garden Plain State Bank
36-Month CD
3.80%
$1,000
Premier Bank Omaha, NE
Premier Bank Omaha, NE
36-Month CD
3.80%
$500
Bank of Brenham
Bank of Brenham
12-Month CD
3.55%
$1,000
1st Bergen Federal Credit Union
1st Bergen Federal Credit Union
36-Month CD certificate
3.50%
$250
VirtualBank
VirtualBank
6-Month CD
3.35%
$0
Phoenixville Federal B&T
48-Month CD
3.30%
$500
Round Top State Bank
Round Top State Bank
16-Month CD
3.25%
$1,000
Profile Bank
Profile Bank
36-Month CD
3.17%
$500
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
60-Month CD certificate
3.05%
$2,500
Guardian Savings Bank
Guardian Savings Bank
48-Month CD
3.00%
$1,000
Pathway Bank
Pathway Bank
36-Month CD
3.00%
$1,000
State Bank of Industry
State Bank of Industry
48-Month CD
2.52%
$1,000
Longview Bank
Longview Bank
36-Month CD
2.50%
$500
First Secure Bank and Trust Co.
First Secure Bank and Trust Co.
Monster Savings
2.24%
$250
Leader Bank
Leader Bank
Zeugma Reward Savings
2.00%
$10
The Blue Grass Valley Bank
The Blue Grass Valley Bank
36-Month CD
1.91%
$1,000
Flanagan State Bank
Flanagan State Bank
36-Month CD
1.86%
$1,000
Citizens-Farmers Bank of Cole Camp
Citizens-Farmers Bank of Cole Camp
6-Month CD
1.51%
$1,000
Van Wert Federal Savings Bank
Van Wert Federal Savings Bank
12-Month CD
1.36%
$1,000
First FSB of Angola
First FSB of Angola
36-Month CD
0.90%
$500
First FSB of Kentucky
First FSB of Kentucky
24-Month CD
0.85%
$500
T Bank
T Bank
T Savings
0.75%
$0
Greenfield Banking Company Greenfield, IN
Greenfield Banking Company Greenfield, IN
18-Month CD
0.65%
$1,000
WaterStone Bank
WaterStone Bank
36-Month CD
0.50%
$1,000
First Piedmont Federal S&L of Gaffney
First Piedmont Federal S&L of Gaffney
12-Month CD
0.30%
$1,000
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Regular Share Savings
0.25%
$25
NVE Bank
NVE Bank
48-Month CD
0.21%
$1,000
The Upstate National Bank
The Upstate National Bank
Regular Savings
0.20%
$5,000
The Bank of Elk River
The Bank of Elk River
Money Market
0.15%
$1,000
FNB of Moose Lake
FNB of Moose Lake
Savings
0.15%
$100
Carson Bank
Carson Bank
Savings Account
0.10%
$100
FNB of Waterloo
FNB of Waterloo
First Savings
0.10%
$50
Teachers Federal Credit Union
Teachers Federal Credit Union
Business Money Market
0.10%
$2,500
American Eagle Financial Credit Union
American Eagle Financial Credit Union
Money Market
0.05%
$2,000
Bristol County Savings Bank
Bristol County Savings Bank
Regular Savings
0.05%
$10
First National Bank of Hutchinson
First National Bank of Hutchinson
Personal Ultra Money Market
0.02%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates May 28, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
15-Year Fixed
5.750%
5.910%
0.000
5.870%
5.970%
0.000
15-Year Fixed Jumbo
5.875%
5.970%
0.000
5.950%
5.998%
0.000
6.000%
6.043%
0.000
15 Year Fixed
5.750%
6.046%
1.000
3/5 Conforming ARM
5.000%
6.053%
0.250
6.000%
6.056%
0.000
5.000%
6.063%
0.250
10-Year Power Rate Fixed
5.750%
6.068%
0.000
5.875%
6.079%
1.000
6.000%
6.084%
0.000
6.000%
6.084%
0.000
15-Year Power Rate Fixed
5.875%
6.101%
0.000
6.000%
6.121%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have BancCentral rate data right now, check back for updates, we are adding rates all the time.

BancCentral Information

BancCentral
602 Flynn St
Alva, OK 73717
Woods
Established Date: 08/11/1913
FDIC Certificate #: 4033
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: MYERS BANCSHARES INC
How Many Domestic U.S. Offices? 4
How Many Branches are There? 4
Is BancCentral FDIC Insured? Yes
What is BancCentral's Cert number? 4033
What is the maximum amount for insured deposits? $250,000 per holder, per account

BancCentral Financials

Total Assets:
$348,039,000
Total Deposits:
$321,969,000
Equity Capital:
$19,126,000
Domestic Deposits:
$321,969,000
Net Income:
$-399,000
Return on Assets:
0.5638%
Quarterly Return on Assets:
-0.4400%
Pretax Return on Assets:
-0.4401%
Pretax Quarterly Return on Assets:
-0.4400%
Return on Equity:
10.5500%
Quarterly Return on Equity:
-8.1900%
Common Equity Tier 1 Capital Ratio:
12.2446%
Tier 1 Risk-Based Capital Ratio:
12.2446%
Leverage Tier 1 (Core Capital) Ratio:
7.5996%
Total Risk-Based Capital Ratio (YTD):
13.5123%
Total Interest Income (YTD):
3.4915%
 
 
Headquarters:
Alva
FDIC Field Office:
Oklahoma City
Regulator:
OCC
County:
Woods
# of Offices:
4
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Dallas
Source: FDIC

Explore Other Rate Deals

CD-Rates-Jump-Higher-This-WeekTo our surprise CD rates jumped higher this week over last week. For the past year CD rates have been slowly going lower, the trend started when the credit crisis hit us in the fall of last year.
State Farm Bank Savings rates are now at 0.10 percent with a yield of 0.10 percent. View current Savings rates at State Farm Bank below.

The Fed declined to raise the fed funds rate this past week, which isn't good news for savers. CD rates will stay near current levels until the Fed increases the rate. The Fed did say at least one rate hike was likely in 2016 so a hike should be in the near future. 

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