Western State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Western State BankToday's 12-month CD rates can be found at 0.45%, 6-month CD rates at 5.25% and 3-month CD rates at 3.03%. Current savings rates are at 0.50% and money market rates are at 0.75%. Mortgage rates today on 30-year fixed loans are around 6.60%. Credit Card rates are at 8.90%. Personal Loan rates are at 11.90%. All these rates, and more, can be found in our database of rates.

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

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

Western State Bank Texas Ratio

Western State Bank's Texas Ratio is at 6.24%, which is considered excellent. The Texas Ratio for Western State Bank 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, Western State Bank 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
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Western State Bank
110 4th St Se
Devils Lake, ND 58301
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Compare Western State Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
DCU Digital Federal Credit Union
DCU Digital Federal Credit Union
Primary Savings
6.17%
$5
All America Bank
All America Bank
6-Month CD
4.75%
$500
First State Bank of Campbell Hill
First State Bank of Campbell Hill
15-Month CD special
4.75%
$500
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
12-Month CD jumbo certificate
4.66%
$100,000
Texas Heritage National Bank
Texas Heritage National Bank
7-Month CD
4.59%
$1,000
Vio Bank
Vio Bank
18-Month CD
4.50%
$500
Prime Alliance Bank
Prime Alliance Bank
Personal Money Market
4.50%
$0
StonehamBank
StonehamBank
48-Month CD
4.50%
$1,000
Landmark Credit Union
Landmark Credit Union
60-Month CD certificate
4.30%
$500
Ridgewood Savings Bank
Ridgewood Savings Bank
12-Month CD
4.25%
$100
FCNB Bank
FCNB Bank
19-Month CD special
4.17%
$1,000
StonehamBank
StonehamBank
18-Month CD
4.07%
$1,000
FNB of Hereford
FNB of Hereford
24-Month CD
4.04%
$50,000
Midwest Bank Detroit Lakes, MN
Midwest Bank Detroit Lakes, MN
24-Month CD
4.00%
$25,000
Oakdale State Bank
Oakdale State Bank
15-Month CD
4.00%
$1,000
Old Dominion National Bank
Old Dominion National Bank
36-Month CD
4.00%
$500
Wayne Bank and Trust Co.
Wayne Bank and Trust Co.
Silver Eagle Money Market
3.41%
$1,000,000
Peoples Bank & Trust Co.
60-Month CD
3.29%
$1,000
Y 12 Federal Credit Union
Y 12 Federal Credit Union
18-Month CD
3.25%
$500
Dieterich Bank
Dieterich Bank
24-Month CD
3.15%
$500
Presidential Bank
Presidential Bank
24-Month CD
3.00%
$1,000
Bogota Savings Bank
Bogota Savings Bank
Prestige Checking
3.00%
$500
RadiFi Credit Union
RadiFi Credit Union
12-Month CD certificate
2.65%
$500
Peru Federal Savings Bank
Peru Federal Savings Bank
36-Month CD
2.60%
$1,000
Cape Cod Five Cents Savings Bank
Cape Cod Five Cents Savings Bank
36-Month CD
2.50%
$10,000
Walpole Co-operative Bank
Walpole Co-operative Bank
36-Month CD
2.35%
$1,000
First State Bank of Porter
First State Bank of Porter
48-Month CD
2.32%
$1,000
Finworth
Finworth
3-Month CD
2.27%
$50,000
Farmers State Bank Yale, IA
Farmers State Bank Yale, IA
3-Month CD
2.27%
$500
Hyperion Bank
Hyperion Bank
60-Month CD
2.00%
$500
The Apple Creek Banking Company
The Apple Creek Banking Company
60-Month CD
1.62%
$500
First Independent Bank Russell, MN
First Independent Bank Russell, MN
18-Month CD
1.51%
$500
American Bank and Trust Company, N.A.
American Bank and Trust Company, N.A.
48-Month CD
1.33%
$500
F&M Bank and Trust Company
F&M Bank and Trust Company
36-Month CD
1.26%
$1,000
Home Loan State Bank
Home Loan State Bank
48-Month CD
1.21%
$1,000
Bay State Savings Bank
Bay State Savings Bank
12-Month CD
1.00%
$1,000
F&M Bank of St. Clair
F&M Bank of St. Clair
48-Month CD
0.95%
$500
Susquehanna Community Bank
Susquehanna Community Bank
24-Month CD
0.70%
$500
Eagle Bank Everett, MA
Eagle Bank Everett, MA
48-Month CD
0.65%
$500
BankVista
BankVista
3-Month CD
0.60%
$1,000
Liberty Bank Liberty, IL
Liberty Bank Liberty, IL
N.O.W. Checking
0.35%
$1,000
SSB Community Bank
SSB Community Bank
36-Month CD
0.30%
$1,000
Coffee County Bank
Coffee County Bank
Regular Savings
0.20%
$100
Pataskala Banking Company
Pataskala Banking Company
18-Month CD
0.20%
$500
First Secure Bank and Trust Co.
First Secure Bank and Trust Co.
6-Month CD
0.10%
$1,000
Community Bank of Raymore
Community Bank of Raymore
12-Month CD
0.05%
$500
Academic Federal Credit Union
Academic Federal Credit Union
Primary Shares Savings
0.05%
$20
Century SLA
Century SLA
Now Account Checking
0.05%
$500
Wheaton Bank & Trust
Wheaton Bank & Trust
Savings Account
0.02%
$0
QCBT Quad City B&T Co.
QCBT Quad City B&T Co.
Quad City Savings
0.01%
$100
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 April 22, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
5.875%
5.958%
0.000
5-Year ARM (LTV 80% or less)
6.250%
5.963%
0.000
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.

Our apologies, we do not have Western State Bank rate data right now, check back for updates, we are adding rates all the time.

Western State Bank Information

Western State Bank
110 4th St Se
Devils Lake, ND 58301
Ramsey
Established Date: 10/01/1902
FDIC Certificate #: 9123
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: WESTERN ST AGENCY EMPLOYEE STK OWNERSHIP PLAN&TR
How Many Domestic U.S. Offices? 10
How Many Branches are There? 10
Is Western State Bank FDIC Insured? Yes
What is Western State Bank's Cert number? 9123
What is the maximum amount for insured deposits? $250,000 per holder, per account

Western State Bank Financials

Total Assets:
$1,892,205,000
Total Deposits:
$1,611,243,000
Equity Capital:
$218,126,000
Domestic Deposits:
$1,611,243,000
Net Income:
$7,649,000
Return on Assets:
2.2520%
Quarterly Return on Assets:
1.6700%
Pretax Return on Assets:
2.2270%
Pretax Quarterly Return on Assets:
2.2300%
Return on Equity:
20.0700%
Quarterly Return on Equity:
14.2700%
Common Equity Tier 1 Capital Ratio:
12.7086%
Tier 1 Risk-Based Capital Ratio:
12.7086%
Leverage Tier 1 (Core Capital) Ratio:
12.1400%
Total Risk-Based Capital Ratio (YTD):
13.9653%
Total Interest Income (YTD):
5.4244%
 
 
Headquarters:
Devils Lake
FDIC Field Office:
Fargo
Regulator:
FDIC
County:
Ramsey
# of Offices:
10
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC

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:

    Read more...

Explore Other Rate Deals

Average mortgage rates were slightly higher this week but rates are still low and are likely to remain low for the rest of the year. 15 year mortgage rates are unchanged this week, averaging 2.87 percent. These rates are the average rates - you can easily find lenders quoting rates below the averages. Search for lender's rates in your state by using our database of lenders at MonitorBankRates.com/Mortgages.

Mortgage rates are lower this week but are still not enticing home buyers back into the market and as result home prices continue to decline.  The S&P/Case-Shiller U.S.National Home Price Index was released this morning and showed a decline of 4.2% in the first quarter of 2011. Nationally, home prices are now back to their mid 2002 levels.
Goldwater Bank Money Market Account rates are now at 0.26 percent with a yield of 0.26 percent. View current Money Market Account rates at Goldwater Bank below.

Bank or Credit Union Offers and Deals

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Today's Mortgage Rates: 30 Year Mortgage Rates at 4.99%, 15 Year Mortgage Rates at 4.34%
Mortgage Rates Remain Low but Will Head Higher in 2015

Alternative Bank and Credit Union Offers to Explore

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