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Charles Schwab Trust Bank

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Charles Schwab Trust Bank Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Charles Schwab Trust Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 20, 2026

You can compare Charles Schwab Trust Bank rates to other rates in our database, including 12-month CD rates currently at 1.76%, 6-month CD rates at 2.93% and 3-month CD rates at 4.10%. Savings rates are at 0.50% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 5.53%. All these rates can be compared to Charles Schwab Trust Bank rates. MonitorBankRates evaluates the financial stability of Charles Schwab Trust Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/20/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Charles Schwab Trust Bank

3000 Schwab Way
Westlake, TX 76262

Current Rate Availability

We do not have Charles Schwab Trust Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Charles Schwab Trust Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Charles Schwab Trust Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Charles Schwab Trust Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Charles Schwab Trust Bank

Bank Holding Company CHARLES SCHWAB CORP THE

Address 3000 Schwab Way, Westlake, TX 76262 · Denton

Website N/A

FDIC Certificate # 59108

Established 07/02/2018

FDIC Insurance Date 07/02/2018

Domestic Offices 1

Total Branches 1

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5636%

Return on Equity (ROE) 45.2200%

Non-Performing Loans (NPL) 0.00%

Total Assets $10,434,593,000

Total Deposits $9,640,312,000

Equity Capital $765,803,000

Net Income $195,672,000

Headquarters Westlake

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Charles Schwab Trust Bank

How many branches does Charles Schwab Trust Bank operate?

Charles Schwab Trust Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Charles Schwab Trust Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Charles Schwab Trust Bank provides members with tools to manage their accounts and build a solid financial history.

Does Charles Schwab Trust Bank offer online and mobile banking?

Most modern institutions like Charles Schwab Trust Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.