Montecito Bank & Trust CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.86%, 6-month CD rates at 0.75% and 3-month CD rates at 1.00%. Current savings rates are at 0.05% and money market rates are at 1.50%. Mortgage rates today on 30-year fixed loans are around 6.19%. Credit Card rates are at 14.74%. Personal Loan rates are at 12.15%. All these rates, and more, can be found in our database of rates. Montecito Bank & Trust's 12-Month CD rates are at 3.05%, 60-Month CD rates are at 0.25%, 48-Month CD rates are at 0.15%, 36-Month CD rates are at 0.15%, 24-Month CD rates are at 0.15%.

Montecito Bank & Trust

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

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

Montecito Bank & Trust Texas Ratio

Montecito Bank & Trust's Texas Ratio is at 7.42%, which is considered excellent. The Texas Ratio for Montecito Bank & Trust 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, Montecito Bank & Trust 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
3.05%
18-Month CD
0.15%
24-Month CD
0.15%
36-Month CD
0.15%
48-Month CD
0.15%
60-Month CD
0.25%
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Montecito Bank & Trust
1000 State St
Santa Barbara, CA 93101
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Montecito Bank & Trust CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Montecito Bank & Trust
Montecito Bank & Trust
12-Month CD
3.05%
$1,000
Montecito Bank & Trust
Montecito Bank & Trust
60-Month CD
0.25%
$1,000
Montecito Bank & Trust
Montecito Bank & Trust
48-Month CD
0.15%
$1,000
Montecito Bank & Trust
Montecito Bank & Trust
36-Month CD
0.15%
$1,000
Montecito Bank & Trust
Montecito Bank & Trust
24-Month CD
0.15%
$1,000
Montecito Bank & Trust
Montecito Bank & Trust
18-Month CD
0.15%
$1,000
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.

Compare Montecito Bank & Trust Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Woodlands National Bank
Woodlands National Bank
12-Month CD
3.53%
$10,000
Mauch Chunk Trust Co.
12-Month CD
4.00%
$500
Schuyler Savings Bank
Schuyler Savings Bank
Passbook Savings
0.10%
$10
Bank of Fayette County
Bank of Fayette County
9-Month CD
3.26%
$1,000
Citizens Bank & Trust Company KY
Citizens Bank & Trust Company KY
24-Month CD
4.25%
$500
First Harrison Bank
First Harrison Bank
8-Month CD Special
5.07%
$2,500
American State Bank (TX)
American State Bank (TX)
9-Month CD special Add-Up CD
5.28%
$50,000
Mountain Pacific Bank
Mountain Pacific Bank
Savings Account
0.03%
$100
New Horizon Bank
New Horizon Bank
Horizon Savings Account
0.10%
$50
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
24-Month CD
2.99%
$1,000
AVB Bank
AVB Bank
36-Month CD
0.50%
$1,000
Wakefield Co-operative Bank
Wakefield Co-operative Bank
60-Month CD
2.15%
$500
Balboa Thrift and Loan Association
Balboa Thrift and Loan Association
60-Month CD
4.97%
$10,000
West Union Bank
West Union Bank
36-Month CD
1.90%
$500
Regent Bank (OK)
Regent Bank (OK)
48-Month CD
4.25%
$1,000
North Side Federal S&L of Chicago
North Side Federal S&L of Chicago
48-Month CD
1.71%
$2,000
Buckeye Community Bank
Buckeye Community Bank
48-Month CD
0.35%
$500
Main Street Bank
Main Street Bank
60-Month CD
0.60%
$1,000
Adrian Bank
Adrian Bank
24-Month CD
3.02%
$1,000
First Horizon
First Horizon
6-Month CD
0.10%
$1,000
Columbia Bank
Columbia Bank
Checking Account
0.05%
$0
Chesapeake Bank
Chesapeake Bank
7-Month CD
5.00%
$1,000
Timberland Bank
Timberland Bank
36-Month CD
2.17%
$500
First United Bank Dimmitt, TX
First United Bank Dimmitt, TX
24-Month Jumbo CD
3.80%
$100,000
SmartBank
SmartBank
SmartMoneyMarket Account
0.10%
$2,500
Lewis & Clark Bank
Lewis & Clark Bank
36-Month CD
0.35%
$500
Fremont Bank
Fremont Bank
48-Month CD
1.25%
$2,500
Kaw Valley Bank
Kaw Valley Bank
48-Month CD
2.53%
$500
PyraMax Bank
PyraMax Bank
13-Month CD special
5.25%
$5,000
PriorityOne Bank
PriorityOne Bank
24-Month CD
0.75%
$1,000
The Grant County Bank
The Grant County Bank
Kasasa Cash Checking
4.00%
$0
PSB Indianola, IA
PSB Indianola, IA
12-Month CD
1.60%
$1,000
Table Rock Community Bank
Table Rock Community Bank
8-Month CD
4.25%
$1,000
Minnesota First
Minnesota First
Regular Savings
0.15%
$200
First State Bank Randolph, NE
First State Bank Randolph, NE
13-Month CD special
5.25%
$500
Maspeth Federal S&L
Maspeth Federal S&L
60-Month CD
3.60%
$2,500
RBT Rollstone B&T
RBT Rollstone B&T
24-Month CD
1.00%
$500
SSB Sherwood State Bank
SSB Sherwood State Bank
7-Month CD
4.55%
$1,000
FNB of Hope
36-Month CD
1.40%
$500
GreenLeaf Bank
GreenLeaf Bank
18-Month CD
2.85%
$1,000
SaviBank
SaviBank
6-Month CD
4.75%
$500
Dow Credit Union
Dow Credit Union
36-Month CD simple certificate
4.91%
$500
Db&t
Db&t
60-Month CD
0.60%
$1,000
Centennial Bank TN
Centennial Bank TN
Checking Account Kasasa <-$10k
5.00%
$1
Community National Bank (VT)
Community National Bank (VT)
48-Month CD
0.90%
$2,500
First American Bank and Trust
First American Bank and Trust
3-Month CD
3.09%
$1,000
FCN Bank, N.A.
FCN Bank, N.A.
60-Month CD
0.70%
$1,000
Commonwealth Co-operative Bank
Commonwealth Co-operative Bank
18-Month CD
0.40%
$1,000
Ion Bank
Ion Bank
48-Month CD
0.65%
$500
Garden Plain State Bank
Garden Plain State Bank
60-Month CD
2.78%
$1,000
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 February 23, 2024

Lender
Product
Rate
APR
Points
8.375%
8.432%
0.375
8.250%
8.411%
0.000
8.150%
8.354%
0.000
10-Year ARM
8.000%
8.099%
0.000
5-Year Jumbo ARM
5.875%
8.098%
2.000
30-Year Jumbo Fixed
7.750%
7.911%
1.000
5-Year ARM FHA
5.750%
7.888%
2.000
7-Year ARM
7.500%
7.847%
0.000
5Y/6M ARM
6.750%
7.841%
0.881
7-Year ARM
6.990%
7.764%
0.000
30-Year Fixed
7.421%
7.750%
0.000
7.500%
7.746%
0.000
7.500%
7.735%
1.000
5-Year ARM
6.000%
7.685%
2.000
7.500%
7.682%
1.000
6.500%
7.670%
0.500
5/6 Month ARM
6.750%
7.623%
1.000
6.500%
7.600%
0.500
7.250%
7.591%
0.000
7.500%
7.573%
0.000
30-Year Fixed FHA
6.000%
7.565%
0.000
6.875%
7.559%
0.000
7Y/6M ARM
6.500%
7.545%
0.908
7.125%
7.524%
1.000
6.625%
7.510%
0.500
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.

Montecito Bank & Trust Information

Montecito Bank & Trust
1000 State St
Santa Barbara, CA 93101
Santa Barbara
Established Date: 03/17/1975
FDIC Certificate #: 21956
Date of FDIC Deposit Insurance: 03/17/1975
Bank Holding Company: MONTECITO BCORP
How Many Domestic U.S. Offices? 15
How Many Branches are There? 15
Is Montecito Bank & Trust FDIC Insured? Yes
What is Montecito Bank & Trust's Cert number? 21956
What is the maximum amount for insured deposits? $250,000 per holder, per account

Montecito Bank & Trust Financials

Total Assets:
$2,111,553,000
Total Deposits:
$1,917,490,000
Equity Capital:
$139,742,000
Domestic Deposits:
$1,917,490,000
Net Income:
$4,827,000
Return on Assets:
0.7721%
Quarterly Return on Assets:
0.8800%
Pretax Return on Assets:
1.2227%
Pretax Quarterly Return on Assets:
1.2200%
Return on Equity:
11.9400%
Quarterly Return on Equity:
14.6000%
Common Equity Tier 1 Capital Ratio:
12.9745%
Tier 1 Risk-Based Capital Ratio:
12.9745%
Leverage Tier 1 (Core Capital) Ratio:
8.1616%
Total Risk-Based Capital Ratio (YTD):
13.9356%
Total Interest Income (YTD):
3.2567%
 
 
Headquarters:
Santa Barbara
FDIC Field Office:
Los Angeles (west)
Regulator:
FDIC
County:
Santa Barbara
# of Offices:
15
Metropolitan Statistical Area (MSA):
Santa Maria-Santa Barbara, CA
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Western
FDIC Region:
San Francisco
Source: FDIC

Explore Other Rate Deals

Current mortgage rates today are lower, after moving higher the past two weeks.  Thankfully, bond yields fell late last week on news House Republicans were voting to raise the debt ceiling for another three months. 10 year bond yields fell 5 basis points to 1.84 percent after touching a high for the week at 1.89 percent on Thursday.
Evantage Bank is offering their "Mega Money Market Account" with an  annual percentage yield (APY) of 3.10 percent. The 3.10% annual percentage yield (APY) is on balances of up to $35,000. Account balances over $35,000 earn a 1.65 percent APY. Evantage Bank is the Internet banking division of Southwest State Bank based in Sentinel, OK.

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