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Advertiser Disclosure
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 Kirkwood Bank & Trust Co. Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 3, 2026
Kirkwood Bank & Trust Co.'s 18-Month IRA CD rates are at 3.51%, 12-Month CD rates are at 3.45%, 91 Day CD rates are at 3.34%, 18-Month CD rates are at 3.31%, 182 Day CD rates are at 3.28%. Kirkwood Bank & Trust Co.'s savings rates are at 0.65%. Kirkwood Bank & Trust Co.'s money market rates are at 0.85%. MonitorBankRates evaluates the financial stability of Kirkwood Bank & Trust Co. with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/03/2026. Kirkwood Bank & Trust Co. 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 Kirkwood Bank & Trust Co.? Share your experience about Kirkwood Bank & Trust Co. by leaving a review below, or read customer reviews before you decide to use Kirkwood Bank & Trust Co.. 
Kirkwood Bank & Trust Co. CD Rates
Kirkwood Bank & Trust Co. Savings Rates
Kirkwood Bank & Trust Co. Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Kirkwood Bank & Trust Co. 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 Kirkwood Bank & Trust Co. 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 Kirkwood Bank & Trust Co.'s official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Kirkwood Bank & Trust Co.
Bank Holding Company
KIRKWOOD BCORP CO
Address
2911 N 14th St,
Bismarck, ND 58503 · Burleigh
Website
https://www.kirkwoodbank.com
FDIC Certificate #
21928
Established
02/18/1975
FDIC Insurance Date
02/18/1975
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
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)
1.0702%
Return on Equity (ROE)
11.9000%
Non-Performing Loans (NPL)
0.00%
Total Assets
$389,443,000
Total Deposits
$351,506,000
Equity Capital
$33,034,000
Net Income
$5,381,000
Headquarters
Bismarck
Total Offices
4
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Add Your Rating and Review for Kirkwood Bank & Trust Co.
Frequently Asked Questions About Kirkwood Bank & Trust Co.Is Kirkwood Bank & Trust Co. a safe place to deposit money?Yes, Kirkwood Bank & Trust Co. 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 Kirkwood Bank & Trust Co. operate?Kirkwood Bank & Trust Co. currently maintains approximately 4 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, Kirkwood Bank & Trust Co. 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, Kirkwood Bank & Trust Co. provides members with tools to manage their accounts and build a solid financial history. Does Kirkwood Bank & Trust Co. offer online and mobile banking?Most modern institutions like Kirkwood Bank & Trust Co. 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.kirkwoodbank.com. Current Kirkwood Bank & Trust Co. Rates
Retrieved from our database of financial products. Rates subject to change.
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