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City Bank

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City Bank Rates & Review August 2026

Q: How many branches does City Bank operate?

City Bank currently maintains approximately 34 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, City 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, City 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 and Verified: August 28, 2026

City Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not City Bank, and you can see how they compare in the City Bank rate tables below. MonitorBankRates evaluates the financial stability of City Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.23%. Database rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.23%

Excellent Lower than avg

City Bank

5219 City Bank Pkwy
Lubbock, TX 79407

https://www.city.bank

City Bank Checking Rates

Product	Rate	APY
Reward Checking	4.07%	4.15%
Min Balance $0 Details Qualifications Required: Receive e-Statements; Minimum 8 everyday debit card transactions; Minimum 4 ACH items must post and settle; Minimum 1 bill payment must post and settle; ATM service charge refunds are capped at $15 per statement cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Reward Checking	3.15%	3.20%
Min Balance $150,000 Details Qualifications Required: Receive e-Statements; Minimum 20 everyday debit card transactions; Minimum 4 ACH items must post and settle; Minimum 1 bill payment must post and settle; ATM service charge refunds are capped at $15 per statement cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RPM Checking	2.10%	2.12%
Min Deposit $25 Min Balance $100,000 Details Qualifications Required: 1 ACH item post and settle; Base Tier APY: 0.01%, Base Tier Interest Rate: 0.01%. Interest earned will be based using the level of requirements met. Fees may reduce earnings on this account. Some restrictions do apply. There is no minimum daily balance required to earn the base rate APY. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RPM Checking	1.60%	1.61%
Min Deposit $25 Min Balance $150,000 Details Qualifications Required: 1 ACH item post and settle; Base Tier APY: 0.01%, Base Tier Interest Rate: 0.01%. Interest earned will be based using the level of requirements met. Fees may reduce earnings on this account. Some restrictions do apply. There is no minimum daily balance required to earn the base rate APY. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Reward Checking	1.15%	1.16%
Min Balance $0 Details Qualifications Required: Minimum 4 ACH items must post and settle; Minimum 1 bill payment must post and settle; ATM service charge refunds are capped at $15 per statement cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RPM Checking	1.10%	1.11%
Min Deposit $25 Min Balance $10,000 Details Qualifications Required: 1 ACH item post and settle; Base Tier APY: 0.01%, Base Tier Interest Rate: 0.01%. Interest earned will be based using the level of requirements met. Fees may reduce earnings on this account. Some restrictions do apply. There is no minimum daily balance required to earn the base rate APY. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Reward Checking	0.90%	0.90%
Min Balance $150,000 Details Qualifications Required: Minimum 4 ACH items must post and settle; Minimum 1 bill payment must post and settle; ATM service charge refunds are capped at $15 per statement cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Reward Checking	0.01%	0.01%
Min Balance $0 Details ATM service charge refunds are capped at $15 per statement cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RPM Checking	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 1 ACH item post and settle; Base Tier APY: 0.01%, Base Tier Interest Rate: 0.01%. Interest earned will be based using the level of requirements met. Fees may reduce earnings on this account. Some restrictions do apply. There is no minimum daily balance required to earn the base rate APY. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for City 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 City 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 City Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name City Bank

Bank Holding Company SOUTH PLAINS FINANCIAL INC

Address 5219 City Bank Pkwy, Lubbock, TX 79407 · Lubbock

Website https://www.city.bank

FDIC Certificate # 25103

Established 04/13/1984

FDIC Insurance Date 04/13/1984

Domestic Offices 34

Total Branches 34

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.23%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.8863%

Return on Equity (ROE) 19.7400%

Non-Performing Loans (NPL) 0.11%

Total Assets $4,478,487,000

Total Deposits $3,953,902,000

Equity Capital $465,084,000

Net Income $64,743,000

Headquarters Lubbock

Total Branches and Offices 34

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About City Bank

How many branches does City Bank operate?

City Bank currently maintains approximately 34 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, City 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, City Bank provides members with tools to manage their accounts and build a solid financial history.

Does City Bank offer online and mobile banking?

Most modern institutions like City Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.city.bank.