Bank Midwest CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 3.79%, 6-month CD rates at 3.64% and 3-month CD rates at 2.78%. Current savings rates are at 0.50% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.57%. Credit Card rates are at 10.90%. Personal Loan rates are at 13.06%. All these rates, and more, can be found in our database of rates. Bank Midwest's 60-Month CD rates are at 3.85%, 48-Month CD rates are at 3.75%, 18-Month CD rates are at 3.65%, 12-Month CD rates are at 3.65%, 36-Month CD rates are at 3.65%. Bank Midwest's savings rates are at 0.25%. Bank Midwest's money market rates are at 2.02%.

Bank Midwest

To see how these rates compare to Bank Midwest CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Bank Midwest, 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 Bank Midwest CD rates. You can also compare Bank Midwest savings rates, MMA rates and mortgage rates using our other rate lists.

Bank Midwest 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 Bank Midwest? Share your experience about Bank Midwest by leaving a review below, or read customer reviews before you decide to use Bank Midwest.

Bank Midwest Texas Ratio

Bank Midwest's Texas Ratio is at 1.55%, which is considered excellent. The Texas Ratio for Bank Midwest is lower than the national average of all banks, currently at 6.13%. 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, Bank Midwest 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

3.65%

2.52%

18-Month CD

3.65%

2.27%

24-Month CD

3.55%

2.25%

36-Month CD

3.65%

2.18%

48-Month CD

3.75%

2.14%

60-Month CD

3.85%

2.26%

Savings

0.25%

0.62%

MMA

2.02%

0.80%

30-Year Fixed

N/A

6.51%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

Bank Midwest

1525 18th St
Spirit Lake, IA 51360

https://www.bankmidwest.com

MonitorBankRates' Rating

5/5

★★★★★

Review Bank Midwest

Bank Midwest CD Rates and Interest Rates

Bank Midwest

60-Month CD

3.85%

$500

Bank Midwest

48-Month CD

3.75%

$500

Bank Midwest

12-Month CD

3.65%

$500

Bank Midwest

18-Month CD

3.65%

$500

Bank Midwest

36-Month CD

3.65%

$500

Bank Midwest

24-Month CD

3.55%

$500

Bank Midwest

30-Month CD

3.55%

$500

Bank Midwest

Great Rewards Checking

2.02%

$50

Bank Midwest

Premier Money Market

2.02%

$50

Bank Midwest

Great Rate Savings

0.25%

$100

Disclaimer

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.

Compare Bank Midwest Rates with Other Competitive Bank and Credit Union Rates

Twin River Bank

12-Month CD

4.16%

$500

New Millennium Bank

12-Month CD

4.00%

$500

Farmers State Bank Center, TX

6-Month CD (Jumbo)

3.97%

$50,000

Sikorsky Credit Union

12-Month CD

3.90%

$500

Regional Missouri Bank

24-Month CD

3.85%

$1,000

Glen Burnie MSB

Money Market Advantage

3.82%

$25,000

Winchester Co-operative Bank

36-Month CD

3.75%

$500

Parke Bank

18-Month CD

3.75%

$500

First Federal S&L of Van Wert

48-Month CD

3.56%

$2,500

OBannon Bank

60-Month CD

3.55%

$1,000

Adrian Bank

12-Month CD

3.53%

$1,000

Haven Savings Bank

18-Month CD

3.50%

$100

Susser Bank

48-Month CD

3.50%

$1,000

Bank of Rantoul

60-Month CD

3.44%

$500

F&M State Bank Winterset, IA

48-Month CD (Jumbo)

3.30%

$100,000

Customers Bank

36-Month CD

3.25%

$500

First Bank Elk River

18-Month CD

3.08%

$500

Integrity Bank & Trust

36-Month CD

3.03%

$500

Teachers Federal Credit Union

24-Month CD

3.00%

$500

The Grant County Bank

12-Month CD

3.00%

$500

Security Savings Bank

36-Month CD

2.70%

$5,000

Mascoma Bank

12-Month CD

2.50%

$500

Hocking Valley Bank

18-Month CD

2.50%

$1,000

Ashton State Bank

12-Month CD

2.26%

$1,000

Cleveland State Bank

12-Month CD

2.01%

$1,000

OAB One American Bank

30-Month CD

1.96%

$500

The Apple Creek Banking Company

60-Month CD

1.62%

$500

Champlain National Bank

60-Month CD

1.00%

$500

FSB of Westmoreland

Passbook Savings

1.00%

$100

Fairfield County Bank

24-Month CD

1.00%

$2,500

Fairfield County Bank

36-Month CD

1.00%

$2,500

1st Advantage Federal Credit Union

Performance Plus Money Market

1.00%

$25,000

Foresight Bank

High-Interest Savings

0.85%

$100

First National Bank in Pinckneyville

48-Month CD

0.75%

$500

Murphy Bank

Regular Savings

0.60%

$500

Kearny Bank

36-Month CD

0.55%

$500

Connecticut Community Bank

Money Market

0.50%

$2,500

FNB of Nevada, Missouri

12-Month CD

0.45%

$1,000

First Exchange Bank

48-Month CD

0.40%

$500

Adrian Bank

Elite VIP Checking

0.25%

$1,000

First Federal S&L of Van Wert

Money Market

0.25%

$5,000

Kentucky Farmers Bank

Interest Checking

0.20%

$1,000

Jarrettsville Federal S&L

Statement Savings

0.15%

Southwest National Bank

Money Market

0.15%

$2,500

BankPlus

6-Month CD

0.15%

$1,000

Cambridge Trust Company

24-Month CD

0.15%

$500

First Horizon

48-Month CD

0.10%

$1,000

North Shore Bank of Commerce

Regular Savings

0.10%

UCB Milford, IA

First Choice Money Market

0.05%

$5,000

United Bank of Philadelphia

Money Market

0.02%

$1,500

Disclaimer

Mortgage Rates November 17, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

DCU Digital Federal Credit Union

10-Year Fixed

4.875%

5.195%

1.125

State Employees Credit Union

10-Year Fixed

5.050%

5.243%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.050%

5.243%

0.000

Piedmont Advantage Credit Union

15-Year Fixed

5.000%

5.255%

0.000

Luana Savings Bank

15-Year Fixed

5.250%

5.299%

0.000

Navy Federal Credit Union

15-Year Fixed

5.125%

5.317%

0.250

First FSB of Champaign Urbana

10-Year Fixed

5.250%

5.319%

0.000

Mutual Security Credit Union

5/1 ARM

5.250%

5.362%

0.000

DCU Digital Federal Credit Union

15-Year Fixed

5.125%

5.370%

1.250

North Carolina Press Association Federal Credit Union

5 Year ARM

5.375%

5.378%

0.000

State Employees Credit Union

15-Year Fixed

5.250%

5.386%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.250%

5.386%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.375%

5.400%

0.000

Sikorsky Credit Union

15-Year Fixed

5.375%

5.431%

0.000

A+ Federal Credit Union

15-Year Fixed

5.375%

5.476%

0.000

Abound Federal Credit Union

15-Year Fixed

5.375%

5.512%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Catskill Hudson Bank

15-Year Fixed

5.375%

5.528%

0.623

American Eagle Financial Credit Union

15-Year Fixed

5.375%

5.544%

0.000

GTE Federal Credit Union

15 Year Fixed

5.375%

5.547%

0.500

First FSB of Champaign Urbana

15-Year Fixed

5.500%

5.549%

0.000

American Bank, N.A. Le Mars, IA

10-Year Fixed

5.375%

5.552%

0.500

Disclaimer

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.

Bank Midwest Information

Bank Midwest

1525 18th St
Spirit Lake, IA 51360
Dickinson
Established Date: 01/01/1887
FDIC Certificate #: 5170
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: GOODENOW BCORP

How Many Domestic U.S. Offices? 11

How Many Branches are There? 11

Website: https://www.bankmidwest.com

Is Bank Midwest FDIC Insured? Yes

What is Bank Midwest's Cert number? 5170

What is the maximum amount for insured deposits? $250,000 per holder, per account

Bank Midwest Financials

Total Assets:

$1,330,625,000

Total Deposits:

$1,106,134,000

Equity Capital:

$110,161,000

Domestic Deposits:

$1,106,134,000

Net Income:

$2,589,000

Return on Assets:

0.6872%

Quarterly Return on Assets:

0.7700%

Pretax Return on Assets:

1.0245%

Pretax Quarterly Return on Assets:

1.0200%

Return on Equity:

9.0100%

Quarterly Return on Equity:

9.4500%

Common Equity Tier 1 Capital Ratio:

10.5451%

Tier 1 Risk-Based Capital Ratio:

10.5451%

Leverage Tier 1 (Core Capital) Ratio:

9.0203%

Total Risk-Based Capital Ratio (YTD):

11.3770%

Total Interest Income (YTD):

5.1205%

Headquarters:

Spirit Lake

FDIC Field Office:

Sioux City

Regulator:

FED

County:

Dickinson

# of Offices:

Metropolitan Statistical Area (MSA):

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

Western

FDIC Region:

Kansas City

Source: FDIC Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

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