Bank of the West
Our records indicate that this bank has been acquired by BMO Bank National Association.
Phone: 800 488 2265
Bank of the West is an FDIC insured institution headquartered at
180 Montgomery St, San Francisco, CA 94104.
It was founded in
1874 and has approximately $94 billion in assets. Customers can open an account at one of its 586 branches.
Deposit Rates - November 07, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.01% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.05% | $10,000 | Compare |
|
6 Mo CD
|
0.05% | $100,000 | Compare |
|
12 Mo CD
|
0.10% | $10,000 | Compare |
|
12 Mo CD
|
0.10% | $100,000 | Compare |
|
Special: 13 Mo CD
|
0.30% | $2,500 | Compare |
|
18 Mo CD
|
0.20% | $10,000 | Compare |
|
18 Mo CD
|
0.20% | $100,000 | Compare |
|
24 Mo CD
|
0.25% | $10,000 | Compare |
|
24 Mo CD
|
0.25% | $100,000 | Compare |
|
30 Mo CD
|
0.20% | $10,000 | Compare |
|
30 Mo CD
|
0.20% | $100,000 | Compare |
|
36 Mo CD
|
0.30% | $10,000 | Compare |
|
36 Mo CD
|
0.30% | $100,000 | Compare |
|
48 Mo CD
|
0.40% | $10,000 | Compare |
|
48 Mo CD
|
0.40% | $100,000 | Compare |
|
60 Mo CD
|
0.40% | $10,000 | Compare |
|
60 Mo CD
|
0.40% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.03% | $2,500 | Compare |
|
Money Market
|
0.03% | $10,000 | Compare |
|
Money Market
|
0.08% | $25,000 | Compare |
| PREMM RATES | APY | MIN | |
|---|---|---|---|
|
Premium Money Market
|
0.07% | $10,000 | Compare |
|
Premium Money Market
|
0.12% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.01% | $2,500 |
Loan Rates - November 07, 2025
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Fixed Adjustable
|
8.84% | $6,450.23 |
|
15 Year Fixed Conforming
|
6.16% | $2,759.65 |
|
15 Year Fixed Jumbo
|
7.60% | $2,921.16 |
|
30 Year Fixed Jumbo
|
6.23% | $1,935.05 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
|
30 Year Fixed Conforming
|
6.73% | $2,123.17 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Fixed Adjustable
|
8.84% | $6,450.23 |
|
15 Year Fixed Conforming
|
6.16% | $2,759.65 |
|
15 Year Fixed Jumbo
|
7.60% | $2,921.16 |
|
30 Year Fixed Jumbo
|
6.23% | $1,935.05 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
|
30 Year Fixed Conforming
|
6.73% | $2,123.17 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
6.04% | Varies | ||
Compare with 0 RATE Line of Credit from PenFed Credit Union
|
||||
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 3514 |
| Date Established | 1874 |
| Assets | $ 94.49 billion |
| Loans | $ 59.57 billion |
| Deposits | $ 72.13 billion |
| Capital | $ 9.22 billion |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 3.11 billion |
| Interest-bearing balances | $ 2.28 billion |
| Total securities | $ 20.14 billion |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 59.57 billion |
| Loan loss allowance | $ 580.14 million |
| Trading account assets | $ 40.78 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 5.01 million |
| Goodwill and other intangibles | $ 4.22 billion |
| All other assets | $ 3.45 billion |
| Total Assets | $ 82.36 billion |
| LIABILITIES | |
| Total deposits | $ 72.13 billion |
| Interest-bearing deposits | $ 48.94 billion |
| Deposits held in domestic offices | $ 72.13 billion |
| % insured (estimated)" | 49.34% |
| Federal funds purchased and repurchase agreements | $ 3.87 billion |
| Trading liabilities | $ 447.58 million |
| Other borrowed funds | $ 212.59 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 1,126.95 millionn |
| Total Liabilities | $ 82.36 billion |
| Shareholders’ Equity | $ 12.13 billion |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 2.85 billion |
| Total Interest Expense | $ 383.98 million |
| Net interest income | $ 2.47 billion |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 568.01 million |
| Total non interest expense | $ 2.00 billion |
| Pre-tax Net Operating Income | $ 572.97 million |
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