Rabobank, National Association

Deposits held and insured by Mechanics Bank (CA)

Reviews (3)

For a Bank, it's great

Posted by: |

I hear of so many banks that provide not only terrible customer service, but charge outrageous fees and try again and again to take advantage of you. In my experience Rabobank has not been one of these banks. I've never had a bad experience with Rabobank, I've never had any outrageous fees, or found myself longing to take my business elsewhere. I've been with them for more than 7 years now and I'm still happy. Their website is very easy to use, I can manage my checking and my savings as well as ask questions online, and they even have an app for my iPhone that I can deposit checks with, so the fact that they don't have very many locations or ATM's not even an issue.

Rabobank America

Customer service is not very good. When you have a problem hold times are very long. If you dispute a card transaction they will cancel your card. They say a new one will be issued in 7 to 10 business days but that's not the case. They do not care enough about their customers to take care of them. I wish I had a different bank.

Bank Service

Posted by: |

It is a great bank to do business with, starting with their cashiers. Who are very friendly and business oriented people, but their managers are way over their heads and unhappy with their jobs.



Health
A+

Data as of Q4 2019

Data displayed below is for insuring bank: Mechanics Bank (CA)
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #1768
Year Established1905
Employees2218
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.02%
Annual Interest Income$406.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$17.20B$6.03B
LoansQ4 2019vs Q4 2018$10.13B$4.52B
DepositsQ4 2019vs Q4 2018$14.59B$4.69B
Equity CapitalQ4 2019vs Q4 2018$2.30B$852.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$37.3MM$26.4MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$86.7MM$6.5MM
Real Estate OwnedQ4 2019vs Q4 2018$2.9MM$2.7MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Rabobank, National Association Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Business Investment Savings
OTHER TIERS: 0.05% Up to $10k | 0.07% $10k - $25k | 0.08% $25k - $100k
0.05%*$100k*-Business Savings
OTHER TIERS: 0.01% Up to $100k
0.03%*$100k*-Health Savings Account
OTHER TIERS: 0.01% Up to $100k
0.03%--Holiday Saver
0.03%*$100k*-Minor Savings
OTHER TIERS: 0.01% Up to $100k
0.03%*$100k*-Personal Savings
OTHER TIERS: 0.01% Up to $100k
0.03%*$100k*-Retirement Savings
OTHER TIERS: 0.01% Up to $100k

Rabobank, National Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.16%*$500k*-Business Investment Money Market
OTHER TIERS: 0.05% Up to $10k | 0.07% $10k - $25k | 0.08% $25k - $100k | 0.15% $100k - $500k
0.08%*$100k*-Business Money Market
OTHER TIERS: 0.04% Up to $10k | 0.05% $10k - $100k
0.05%*$50k*-Personal Money Market
OTHER TIERS: 0.03% Up to $10k | 0.04% $10k - $50k

Rabobank, National Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Attorney/Client Trust Account
0.01%--Personal Interest Checking
0.01%--Silver Business Rewards Checking w/ Interest
0.01%--Gold Business Rewards Checking w/ Interest
0.01%--Platinum Business Rewards Checking w/ Interest
0.01%--Premier Checking

Rabobank, National Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$50k*-5 Year CD
OTHER TIERS: 0.70% $2.5k - $50k
0.75%*$50k*-Business 5 Year CD
OTHER TIERS: 0.70% $2.5k - $50k
0.50%*$50k*-3 Year - 47 Month CD
OTHER TIERS: 0.45% $2.5k - $50k
0.50%*$50k*-4 Year - 59 Month CD
OTHER TIERS: 0.45% $2.5k - $50k
0.50%*$50k*-Business 3 Year - 47 Month CD
OTHER TIERS: 0.45% $2.5k - $50k
0.50%*$50k*-Business 4 Year - 59 Month CD
OTHER TIERS: 0.45% $2.5k - $50k
0.50%$2.5k-5 Month Month Special CD
0.50%$2.5k-Business 5 Month Special CD
0.25%$2.5k-2 Year - 35 Month CD
0.25%$2.5k-Business 2 Year - 35 Month CD
0.15%$2.5k-1 Year - 23 Month CD
0.15%$2.5k-Business 1 Year - 23 Month CD
0.05%$2.5k-30 - 60 Day CD
0.05%$2.5k-61 - 90 Day CD
0.05%$2.5k-91 - 179 Day CD
0.05%$2.5k-180 - 364 Day CD
0.05%$2.5k-Business 30 - 60 Day CD
0.05%$2.5k-Business 61 - 90 Day CD
0.05%$2.5k-Business 91 - 179 Day CD
0.05%$2.5k-Business 180 - 364 Day CD
0.05%$2.5k-Business 7 - 29 Day CD

Rabobank, National Association IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$50k*-5 Year IRA
OTHER TIERS: 0.70% $1k - $50k
0.50%*$50k*-3 Year - 47 Month IRA
OTHER TIERS: 0.45% $1k - $50k
0.50%*$50k*-4 Year - 59 Month IRA
OTHER TIERS: 0.45% $1k - $50k
0.50%$1k-5 Month IRA Special
0.25%$1k-2 Year - 35 Month IRA
0.15%$1k-1 Year - 23 Month IRA
0.05%$1k-30 - 60 Day IRA
0.05%$1k-61 - 90 Day IRA
0.05%$1k-91 - 179 Day IRA
0.05%$1k-180 - 364 Day IRA
Locations

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