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CSB of Ouray

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CSB of Ouray Rates & Review March 2026

Q: How many branches does CSB of Ouray operate?

CSB of Ouray currently maintains approximately 7 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, CSB of Ouray 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, CSB of Ouray 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: March 20, 2026

You can compare CSB of Ouray rates to other rates in our database, including 12-month CD rates currently at 1.35%, 6-month CD rates at 3.30% and 3-month CD rates at 1.00%. Savings rates are at 0.50% and money market rates are at 1.35%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to CSB of Ouray rates. MonitorBankRates evaluates the financial stability of CSB of Ouray with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/20/2026.

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

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

CSB of Ouray

600 Main St
Ouray, CO 81427

https://www.csbcolorado.com

CSB of Ouray Credit Card Rates

Product	Rate	APR	View More
Visa classic credit card	-	15.00%
Details Check guarantee; Overdraft protection for CSB deposit accounts; Plus System access; No interest charge if entire balance is paid by 10 days after close of each billing cycle; No annual fee Last Updated 03/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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 CSB of Ouray 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 CSB of Ouray 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 CSB of Ouray's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CSB of Ouray

Bank Holding Company CSBO HOLDINGS INC ESOP

Address 600 Main St, Ouray, CO 81427 · Ouray

Website https://www.csbcolorado.com

FDIC Certificate # 1779

Established 08/20/1913

FDIC Insurance Date 01/01/1934

Domestic Offices 7

Total Branches 7

Regulator FDIC

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) 0.2756%

Return on Equity (ROE) 4.3700%

Non-Performing Loans (NPL) 0.00%

Total Assets $215,319,000

Total Deposits $196,525,000

Equity Capital $15,571,000

Net Income $1,444,000

Headquarters Ouray

Total Offices 7

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About CSB of Ouray

Is CSB of Ouray a safe place to deposit money?

Yes, CSB of Ouray is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does CSB of Ouray operate?

CSB of Ouray currently maintains approximately 7 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, CSB of Ouray 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, CSB of Ouray provides members with tools to manage their accounts and build a solid financial history.

Does CSB of Ouray offer online and mobile banking?

Most modern institutions like CSB of Ouray 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.csbcolorado.com.