CoreFirst Bank & Trust

Overview / Commentary
3035 South Topeka Avenue
Topeka, KS 66611

CoreFirst Bank & Trust is headquartered in TOPEKA and is the 12th largest bank in the state of Kansas. It is also the 834th largest bank in the nation. It was established in 1959 and as of September of 2023, it had grown to 249 employees at 14 locations. CoreFirst Bank & Trust's money market rates are 9X the national average, and it has a B health rating.

Reviews (5)

Pleasant CD Opening

I was looking for a 9 month CD, which is somewhat rare, and CoreFirst had one at a pretty good rate.
I drove to the Englewood office, which is the only one in Colorado since they do not open CD's over the internet. The employee was very pleasant and I was on my way in about 15 to 20 minutes.

Friendliest Bankers In Colorado

Posted by: |

I moved my account to CoreFirst from a large national bank and will never leave. It really is all about the people and this place has the best bankers in Colorado working for them. Not to mention the fact that they don't have any fees on the checking accounts.

Topeka Customer

Posted by: |

Over all I'm satisfied with the bank. They are pretty convinient in Topeka. They have a good iPhone app. I wish they had realtime text alerts. And I wish they showed me my debit card transactions as I did them. It usually takes a day to show up online. I'm happy with my new relationship account. I get ATM refunds which is useful when I travel. But I don't think many customers can get this account. I was told I qualify for it because of my mortgage at the bank. I found the fees here to be a lot less than when I banked at Bank of America. But fees were about the same as when I banked at a different local bank. I was told by customer service that they are now offering Apple Pay. I'm looking forward to that.

Escrow Thieves!!

Posted by: |

We have banked with Core First since they purchased Commerce Bank and Trust in Topeka KS.  We refinanced our home with them when we still lived in Kansas. We moved to Florida in 2006 and have been trying to sell that house ever since.  We have had nothing but rude and bad service from those people since they became Core First.  We finally short sold our home this past July but only by a small amount.  The bank has fought us on the entire sale.  We finally told them we were going to allow it to go into forclosure if they didn't allow the short sale.  Amazingly, they agreed.  We only owed $138,000.00 The house sold for $143,000.00 but the closing and the real estate agent fees caused it to be a short sale.  We have paid PMI from the very beginning.  I had requested a statement on the escrow account a month prior to the short sale, a week into the short sale, the day of the closing and a week after the closing.  I still haved not received that statement.  I asked that the money left in our escrow be transferred into our checking account and was told that our escrow was negative.  I asked again for a statement to show me how that occured but they keep telling me they thought someone else sent it.  I still don't have it.  I found out our homeowners insurance premium is being refunded since it was paid the same month that the house sale closed but the bank after more than 30 days has never sent a notice of cancellation to the insurance company.  We did back on the date of closing but the insurance company wants that information from the bank.  Now I find out our refund is being sent to the bank and they are telling me that they plan on keeping it since the escrow was in the negative.  I still have not received a statement showing how it became negative.  I talked to the bank again today on the phone and got the same lies about someone else should have sent that to us.  I know they are lying but I don't know where to go to get them to provide the information they are supposed to be giving us.  I hate that bank.  If you use Core First, your as much of a fool as we were!!

Gone Downhill, Bad Service.

Posted by: |

I had accounts with this bank for over 20 years.  When I moved to a larger city where there weren't any branches I kept the account open until they opened branches in my new city and then they became my primary bank again.  Unfortunately the service wasn't as good.  My nearest branch was closed on Saturdays.  I once went in to ask for a new check register and the associate did not know what that was.  The associates at the bank did not know how to cash out my CDs and did so incorrectly.  I had both a checking and savings at this bank and they were to transfer money from my savings to cover any checks and did not so instead I got slapped with numberous fees.  My checking account didn't get any interest so I tended to keep most of my money in savings until needed.  They failed to put a stop payment on a check as I requested and then charged me several fees on the same transaction.   Then when I went to close out the account they told me I couldn't due to one of their errors.  Sadly after more than 20 years there I took my business elsewhere.


Health Grade Components

FDIC Certificate #18100
Year Established1959
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD11.65%
Annual Interest Income$35.2MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.25B$1.22B
LoansQ3 2023vs Q3 2022$796.4MM$732.9MM
DepositsQ3 2023vs Q3 2022$969.9MM$961.2MM
Equity CapitalQ3 2023vs Q3 2022$56.6MM$61.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$8.6MM$8.6MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$5.5MM$7.9MM
Real Estate OwnedQ3 2023vs Q3 2022$2.6MM$1.2MM
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Always verify rates and promotions with the bank or credit union. We are not CoreFirst Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CoreFirst Bank & Trust Savings Account Rates

0.05%--Statement Savings
0.05%--Business Savings

CoreFirst Bank & Trust Money Market Rates

4.07%*$50k*-Summit Money Market
OTHER TIERS: 0.30% Up to $25k | 0.50% $25k - $50k
2.53%*$750k*-Money Market Preferred Plus
OTHER TIERS: 0.30% Up to $10k | 0.45% $10k - $25k | 0.55% $25k - $50k | 0.75% $50k - $100k | 1.00% $100k - $250k | 2.02% $250k - $750k

CoreFirst Bank & Trust Checking Account Rates

4.44%*-$20kReward Banking
OTHER TIERS: 1.44% $20k+

CoreFirst Bank & Trust CD Rates

4.84%$1k-8 Month CD Special
4.84%$1k-Business 8 Month CD Special
4.32%$1k-11 Month CD Special
4.32%$1k-Business 11 Month CD Special
4.06%$1k-17 Month CD Special
4.06%$1k-Business 17 Month CD Special
3.55%$1k-30 Month CD Special
3.55%$1k-Business 30 Month CD Special
3.29%$1k-6 Month CD Special
3.29%$1k-Business 6 Month CD Special
0.70%$1k-3 Month CD Special
0.70%$1k-Business 3 Month CD Special
0.60%$1k-60 Month CD
0.60%$1k-Business 60 Month CD
0.50%$1k-48 Month CD
0.50%$1k-Business 48 Month CD
0.25%$1k-36 Month CD
0.25%$1k-Business 36 Month CD
0.20%$1k-32 Month Option CD
0.20%$1k-Business 32 Month Option CD
0.15%$1k-12 Month CD
0.15%$1k-24 Month CD
0.15%$1k-Business 12 Month CD
0.15%$1k-Business 18 Month CD
0.15%$1k-Business 24 Month CD
0.15%$1k-18 Month CD
0.10%$1k-9 Month CD
0.10%$1k-Business 9 Month CD
0.05%$1k-1 Month CD
0.05%$1k-2 Month CD
0.05%$1k-Business 1 Month CD
0.05%$1k-Business 2 Month CD

CoreFirst Bank & Trust IRA Rates

0.60%$1k-60 Month IRA
0.50%$1k-48 Month IRA
0.25%$1k-36 Month IRA
0.20%$1k-32 Month Option IRA
0.15%$1k-12 Month IRA
0.15%$1k-18 Month IRA
0.15%$1k-24 Month IRA
0.10%$1k-9 Month IRA
0.05%$1k-1 Month IRA
0.05%$1k-2 Month IRA


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