MidFirst Bank

MidFirst Bank


Overview / Commentary
405-767-7000
501 NW Grand Boulevard
Oklahoma City, OK 73118

Midfirst Bank is a privately held bank offering a range of personal, commercial, trust, and mortgage banking products and services.

On its personal banking side, Midfirst offers checking, savings, money market, and certificate of deposit accounts. Its checking options range from a reward account with performance requirements earning higher interest to a simple student account. The bank has a children’s savings account and program along with a basic savings account and features a money market account that increases earning power while maintaining liquidity. Midfirst also makes both fixed and callable CDs available to customers.

Midfirst Bank online banking features a sophisticated Internet platform from which customers can manage their accounts. The bank also has a mobile app that provides remote deposit capabilities as well as account management functions.

Midfirst Bank was originally established as the Oklahoma National Bank & Trust Company of Chickasha in 1911. In 1997 the bank changed its name to Midfirst Bank and three years later moved its headquarters to Oklahoma City, Oklahoma, where they remain today. The bank operates multiple branch locations across several states.

Best Bank We Ever Had

MIdFirst offers "home town" type service. Very personable staff who have been in place for years and know us when we come in. This is unlike big banks that change tellers weekly it seems. Highly recommend a private bank like MidFirst.

Wasn't But Now Is The Worst Banking Experience

Posted by: |

I've been with Midfirst Bank since 11 yrs old..my father opened a savings account for my siblings and I. I continued to bank with them since and now in my thirties, I do realize that they're not that all that great as a bank. There are thankfully better options like WEOKIE or Wells Fargo to name two. Their overdraft fees/rules are ridiculous. They pull and pull with no time to act. Their interest rates for their CDs are, in comparison, not that appealing. Their programs for savings are also not worth it either. After over 15 years of service with them it is time I cut ties.

Midfirst Bank Is The Worst

Posted by: |

Worst bank ever. I asked to have no overdraft but they let it happen then charged me 35.00. And sent me a letter saying I had 30 days to deposit which I did but they held my deposit for an extra day even though I saw it the day before. Then charged me 25.00. Tried calling and got very rude customer service. Would not recommend this bank to my worst enemy.

RHS Mortgage Sold To Midfirst Post Pandemic. Nightmare Began...

Posted by: |

Usda homeloan sold to them post-pandemic. Advertised policies & handling of hardship not honored. Loss mitigation not correctly reviewed, instead denied receiving multiple proofs with original application even after fax & recorded delivery receipts provided. Violated federal laws and court procedures by not properly serving homeowners (or not completing necessary steps beforehand). Timeline pattern or reacting to escalations to regulatory authorities with 3 days later, litigation without service notice. Disregarding rules to halt litigation while in active loss mitigation (eg Ex-parte filings to Judge & the plaintiff bank were disregarded)
Then refusing to speak to HID agent initially, followed by declining to work through options with same HUD licensed agent.

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Health

Health Grade Components

Overall
FDIC Certificate #4063
Year Established1911
Employees3167
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD10.92%
Annual Interest Income$1.96B
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$39.09B$36.65B
LoansQ4 2024vs Q4 2023$31.95B$30.02B
DepositsQ4 2024vs Q4 2023$24.81B$23.15B
Equity CapitalQ4 2024vs Q4 2023$3.85B$3.67B
Loan Loss AllowanceQ4 2024vs Q4 2023$217MM$195.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$145.7MM$40.8MM
Real Estate OwnedQ4 2024vs Q4 2023$7.5MM$8.5MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not MidFirst Bank; 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.

MidFirst Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$10k*-Elevate Savings
OTHER TIERS: 0.50% $0 - $10k
3.25%$0$50kBoost Savings
0.50%$0-iSave Savings
0.30%$0-Company Club Savings
0.20%*$10k*-Performance Savings
OTHER TIERS: 0.15% $0 - $10k
0.20%$0-Sooner Savings
0.20%$0-Broncho Savings
0.20%$0-Student Savings
0.20%$0-Cowboy Savings

MidFirst Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$500k*-Titanium Money Market Savings
OTHER TIERS: 0.15% $0 - $10k | 0.20% $10k - $75k | 0.25% $75k - $250k | 0.30% $250k - $500k

MidFirst Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$0$20kBoost Checking
OTHER TIERS: 0.01% $20k+
0.25%*$50k*-M+ Checking
OTHER TIERS: 0.10% $0 - $20k | 0.20% $20k - $50k

MidFirst Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$5k-4 Month CD Special
4.10%$5k-Business 4 Month CD Special
4.00%$1k$500k182 Day CD
4.00%$1k$500kBusiness 182 Day Fixed Rate CD
4.00%$1k$250kBusiness 182 Day Fixed Rate CD - Online
4.00%$1k$250k182 Day CD - Online
3.70%$1k$500k12 Month CD
3.70%$5k-13 Month CD Special
3.70%$1k$500kBusiness 12 Month Fixed Rate CD
3.70%$5k-Business 13 Month Fixed Rate CD Special
3.70%$1k$250kBusiness 12 Month Fixed Rate CD - Online
3.70%$1k$250k12 Month CD - Online
3.15%$5k-19 Month CD Special
3.15%$5k-Business 19 Month CD Special
3.00%$1k$500k18 Month CD
3.00%$1k$500kBusiness 18 Month Fixed Rate CD
3.00%$1k$250kBusiness 18 Month Fixed Rate CD - Online
3.00%$1k$250k18 Month CD - Online
2.30%$1k$500k24 Month CD
2.30%$1k$500k36 Month CD
2.30%$1k$500k48 Month CD
2.30%$1k$500k60 Month CD
2.30%$5k$500k30 Month CD
2.30%$1k$500kBusiness 36 Month Fixed Rate CD
2.30%$1k$500kBusiness 48 Month Fixed Rate CD
2.30%$5k$500kBusiness 30 Month Fixed Rate CD
2.30%$1k$500kBusiness 24 Month Fixed Rate CD
2.30%$1k$500kBusiness 60 Month Fixed Rate CD
2.30%$1k$250kBusiness 24 Month Fixed Rate CD - Online
2.30%$5k$250kBusiness 30 Month Fixed Rate CD - Online
2.30%$1k$250kBusiness 36 Month Fixed Rate CD - Online
2.30%$1k$250kBusiness 48 Month Fixed Rate CD - Online
2.30%$1k$250kBusiness 60 Month Fixed Rate CD - Online
2.30%$1k$250k24 Month CD - Online
2.30%$5k$250k30 Month CD - Online
2.30%$1k$250k36 Month CD - Online
2.30%$1k$250k48 Month CD - Online
2.30%$1k$250k60 Month CD - Online
1.40%$1k$500k120 Month CD
1.40%$1k$500kBusiness 120 Month Fixed Rate CD
1.40%$1k$250kBusiness 120 Month Fixed Rate CD - Online
1.40%$1k$250k120 Month CD - Online
1.30%$1k$500k84 Month CD
1.30%$1k$500kBusiness 84 Month Fixed Rate CD
1.30%$1k$250kBusiness 84 Month Fixed Rate CD - Online
1.30%$1k$250k84 Month CD - Online
0.30%$1k$500k91 Day CD
0.30%$1k$500kBusiness 91 Day Fixed Rate CD
0.30%$1k$250kBusiness 91 Day Fixed Rate CD - Online
0.30%$1k$250k91 Day CD - Online

MidFirst Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$5k-4 Month IRA Special
4.00%$1k$500k12 Month IRA
4.00%$1k$500k182 Day IRA
3.70%$5k-13 Month IRA Special
3.15%$5k-19 Month IRA Special
3.00%$1k$500k18 Month IRA
2.30%$1k$500k24 Month IRA
2.30%$1k$500k36 Month IRA
2.30%$1k$500k48 Month IRA
2.30%$1k$500k60 Month IRA
2.30%$5k$500k30 Month IRA
1.40%$1k$500k120 Month IRA
1.30%$1k$500k84 Month IRA
0.30%$1k$500k91 Day IRA
Locations

Availability



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