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Helm Bank USA

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Helm Bank USA Rates & Review August 2026

Q: How many branches does Helm Bank USA operate?

Helm Bank USA currently maintains approximately 2 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, Helm Bank USA 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, Helm Bank USA 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 30, 2026

Helm Bank USA 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 Helm Bank USA, and you can see how they compare in the Helm Bank USA rate tables below. MonitorBankRates evaluates the financial stability of Helm Bank USA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.52%. Database rates last updated and verified on 08/30/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.52%

Excellent Higher than avg

Helm Bank USA

999 Brickell Ave
Miami, FL 33131

https://www.helmbankusa.com

Current Rate Availability

We're not currently displaying rates for Helm Bank USA, but our database is updated constantly — check back soon for the latest offers.

Are you with Helm Bank USA? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

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

Bank Profile & Overview

Institution Name Helm Bank USA

FDIC Certificate # 32718

Address 999 Brickell Ave, Miami, FL 33131 · Miami-Dade

Website https://www.helmbankusa.com

Established 12/08/1989

FDIC Insurance Date 12/08/1989

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.52%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1148%

Return on Equity (ROE) 17.2600%

Non-Performing Loans (NPL) 0.58%

Total Assets $1,137,676,000

Total Deposits $1,021,906,000

Equity Capital $106,293,000

Net Income $10,612,000

Headquarters Miami

Total Branches and Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Helm Bank USA

How many branches does Helm Bank USA operate?

Helm Bank USA currently maintains approximately 2 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, Helm Bank USA 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, Helm Bank USA provides members with tools to manage their accounts and build a solid financial history.

Does Helm Bank USA offer online and mobile banking?

Most modern institutions like Helm Bank USA 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.helmbankusa.com.