FirstBank (Lakewood, CO)

Overview / Commentary
10403 West Colfax Avenue
Lakewood, CO 80215

FirstBank (Lakewood, CO) is headquartered in LAKEWOOD and is the largest bank in the state of Colorado. It is also the 75th largest bank in the nation. It was established in 1963 and as of March of 2024, it had grown to 2,462 employees at 101 locations. FirstBank (Lakewood, CO)'s savings rates are 9X the national average, and it has a B+ health rating.

Reviews (3)

Strong Bank Low Debt

This bank rates well on the Texas ratio, meaning that it has low debt which means it is financially secure. I have enjoyed banking here and they have great youth student accounts with. Great interest rate for youth savings accounts. Easy to use personal HSA etc. love the s castle rock branch.

A Dying Breed

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FirstBank is one of the last surviving Colorado banks after deregulation in the 1980's. Almost all other banks here are national chains. I enjoy banking with FirstBank because they are Colorado owned and operated with locations all over the Front Range and I-70 mountain towns. I have also always received top customer service from FirstBank as they have friendly, knowledgeable employees. However, they really like to fee their customers. A $10 annual fee for a Visa Debit card? Foreign ATM fees (so if you visit any other state and use an ATM there, you get hit with a $2 fee); $8 cashiers check fee etc. I have checking/savings/overdraft line of credit and a Visa Signature credit card and I pay $30 a year in fees ($10 Visa Debit and $20 line of credit). Their savings rate is ridiculously low at 0.01%; however, if you upgrade to Premier Checking (requires $2,500 in the account at all times) you earn 0.05% and the $10 Visa Debit and $20 line of credit annual fees are waived. In recent years, FirstBank has oddly expanded into the Phoenix, AZ area and as such, they have started to play down the Colorado ties which has been disappointing as it feels less local.
Overall, if you want a convenient, friendly and Colorado owned bank you cannot find anything better. I always recommend having a credit union on the side for loans and better deposit rates, but banks do checking so much better.

Fraudulent Deceptive Bank

Have had the account open 4 mo they lost my deposit at the branch, upon opening the rep told me different from the actual policies so I was charge an overdraft fee one day after opening the account and the rep told me it's a common thing that happens (figures they should correct it) then I was charged a 34 nsf fee for over drafting .80 cents after a manager told me I didn't no how to bank.


Health Grade Components

FDIC Certificate #18714
Year Established1963
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD17.1%
Annual Interest Income$285MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$27.54B$28.76B
LoansQ1 2024vs Q1 2023$16.28B$16.41B
DepositsQ1 2024vs Q1 2023$24.63B$25.09B
Equity CapitalQ1 2024vs Q1 2023$1.44B$1.29B
Loan Loss AllowanceQ1 2024vs Q1 2023$154.6MM$156.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$16.2MM$24.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$2MM
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Always verify rates and promotions with the bank or credit union. We are not FirstBank (Lakewood, CO); 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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

FirstBank (Lakewood, CO) Savings Account Rates

4.60%*$1m*-Liquid Asset Account
OTHER TIERS: 0.50% $0 - $20k | 1.00% $20k - $100k | 2.50% $100k - $500k | 4.25% $500k - $1m
4.60%*$1m*-Bloom Savings Account
OTHER TIERS: 0.50% $0 - $20k | 1.00% $20k - $100k | 2.50% $100k - $500k | 4.25% $500k - $1m
4.50%*$1m*-Business Liquid Asset Account
OTHER TIERS: 0.50% $0 - $20k | 1.00% $20k - $100k | 2.50% $100k - $500k | 4.16% $500k - $1m
4.25%*$25k*-Health Savings Account
OTHER TIERS: 0.50% $0 - $1k | 1.00% $1k - $10k | 2.50% $10k - $25k
0.04%$0-Regular Savings
0.04%$0-Business Regular Savings

FirstBank (Lakewood, CO) Money Market Rates

1.00%*$100k*-Money Market Savings
OTHER TIERS: 0.25% $0 - $20k | 0.50% $20k - $100k
1.00%*$100k*-Money Market Savings - Smart Choice College Savings Plan
OTHER TIERS: 0.25% $0 - $20k | 0.50% $20k - $100k
1.00%*$100k*-IRA Money Market Savings
OTHER TIERS: 0.25% $0 - $1k | 0.50% $1k - $100k
0.50%*$100k*-Business Money Market Savings
OTHER TIERS: 0.20% $0 - $20k | 0.30% $20k - $100k
0.10%*$20k*-Business Money Market Checking
OTHER TIERS: 0.05% $0 - $20k
0.05%*$20k*-Money Market Checking
OTHER TIERS: 0.03% $500 - $20k

FirstBank (Lakewood, CO) Checking Account Rates

1.00%*$50k*-Premier Checking
OTHER TIERS: 0.04% $2.5k - $10k | 0.08% $10k - $25k | 0.10% $25k - $50k
0.05%*$20k*-55-Plus Checking
OTHER TIERS: 0.03% $500 - $20k

FirstBank (Lakewood, CO) CD Rates

5.40%$10k-91 Day Premier Time Account
5.40%$10k-Business 91 Day Premier Time Account
5.00%$10k-182 Day Premier Time Account
5.00%$10k-Business 182 Day Premier Time Account
4.00%$10k-1 Year Premier Time Account
4.00%$10k-Business 1 Year Premier Time Account
3.50%$10k-2 Year Premier Time Account
3.50%$10k-Business 2 Year Premier Time Account
3.00%$500-1 Year Time Deposit Account
3.00%$10k-3-1/2 Year Premier Time Account
3.00%$500-Business 1 Year Time Deposit Account
3.00%$10k-Business 3-1/2 Year Premier Time Account
2.75%$500-182 Day Time Deposit Account
2.75%$500-Business 182 Day Time Deposit Account
2.50%$500-91 Day Time Deposit Account
2.50%$500-2 Year Time Deposit Account
2.50%$500-Business 91 Day Time Deposit Account
2.50%$500-Business 2 Year Time Deposit Account
2.00%$500-3-1/2 Year Time Deposit Account
2.00%$10k-5 Year Premier Time Account
2.00%$500-Business 3-1/2 Year Time Deposit Account
2.00%$10k-Business 5 Year Premier Time Account
1.00%$500-5 Year Time Deposit Account
1.00%$500-Business 5 Year Time Deposit Account
0.75%$100-2 Year Time Savings Account
0.75%$100-Business 2 Year Time Savings Account
0.50%$100-1 Year Time Savings Account
0.50%$0-1 Year Time Savings - Smart Choice College Savings Plan
0.50%$100-Business 1 Year Time Savings Account
0.10%$100-91 Day Time Savings Account
0.10%$100-Business 91 Day Time Savings Account


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