KeyBank National Association

Headquarters

127 Public Sq
Cleveland, OH 44114
See all branch locations →

ACH 22237044

Notable Rates	APY	Vs.Others
Savings	0.01%	5.50% →
1-Year CD	0.05%	4.65% →
2-Year CD	0.05%	4.25% →
5-Year CD	0.05%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by Seeko | March 28, 2023 |

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous.

Overview
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2024 Overview

General Bank Information

KeyBank National Association is an FDIC insured institution located in Cleveland, OH. It was founded in 1849 and has approximately $184.96 billion in assets. Customers can open an account at one of its 1,408 branches.


FDIC Insured	Yes
FDIC Certificate	# 17534
Date Established	1849
Assets	$ 184.96 billion
Loans	$ 106.32 billion
Deposits	$ 149.27 billion
Capital	$ 15.05 billion

For a more detailed analysis of KeyBank National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 18, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates	APY	MIN	MAX
SAV	0.01%	$1	-	Learn More Reviews
Money Market	0.25%	$5,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.05%	$2,500	-	Learn More Reviews
7 Months Promo	4.00%	$10,000	$24,999	Learn More Reviews
12 Mo CD	0.05%	$2,500	-	Learn More Reviews
13 Month CD	0.05%	$10,000	$24,999	Learn More Reviews
18 Mo CD	0.05%	$10,000	$24,999	Learn More Reviews
24 Mo CD	0.05%	$2,500	-	Learn More Reviews
25 Month CD PROMO	3.75%	$10,000	$24,999	Learn More Reviews
36 Mo CD	0.05%	$2,500	-	Learn More Reviews
48 Mo CD	0.05%	$2,500	-	Learn More Reviews
60 Mo CD	0.05%	$2,500	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	0.01%	$1	$99	Learn MoreShow Less

Online Only Savings Rates of Laurel Road, a division of KeyBank

Online Savings Rates	APY	MIN	MAX
High Yield Savings	4.50%	$0	-	Learn More Reviews

Checking Rates	APY	MIN	FEE
Smart Checking	0.00%	$0	$0.00	Learn MoreShow Less
Advantage Checking	0.02%	$10,000	$18.00	Learn MoreShow Less
Privilege Checking	0.10%	$25,000	$25.00	Learn MoreShow Less

Bank Online Offers

Loan Rates - December 18, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for KeyBank National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 2578474	6.459%	6.375% 0.50 points $2,810 fees	$1,997	Learn More
NMLS ID: 1025894	6.721%	6.625% 0.75 points $3,180 fees	$2,049	Learn More
NMLS ID: 3030	7.325%	7.250% 0.75 points $2,400 fees	$2,183	Learn More
NMLS ID: 3029		points fees		Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to KeyBank National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

KeyBank National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

KeyBank National Association Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Columbus Main Branch	0.10	A	View Lobby Hours
University District Branch	2.54	B	View Lobby Hours
Grandview Branch	3.39	C	View Lobby Hours
Bexley Branch	4.06	D	View Lobby Hours
Sullivant Avenue Branch	5.13	E	View Lobby Hours
Kingsdale Branch	5.27	F	View Lobby Hours
Grove City Branch	6.64	G	View Lobby Hours
Bethel-Olentangy Brancy	7.35	H	View Lobby Hours
North Arlington Branch	7.57	I	View Lobby Hours
Gahanna Branch	7.68	J	View Lobby Hours
Worthington South Branch	8.11	K	View Lobby Hours
Nike Drive Branch	8.48	L	View Lobby Hours
Beechcroft Branch	8.88	M	View Lobby Hours
Grove City Branch	9.22	N	View Lobby Hours
Hilliard Branch	9.80	O	View Lobby Hours
Main-Briarcliff Branch	9.93	P	View Lobby Hours
Karric Square Branch	10.00	Q	View Lobby Hours
New Albany Keycenter Branch	10.17	R	View Lobby Hours
Westerville Central Branch	10.96	S	View Lobby Hours
Pickerington Branch	11.94	T	View Lobby Hours
Hard Sawmill Branch	12.14	U	View Lobby Hours
Dublin Branch	12.73	V	View Lobby Hours
Polaris Keycenter Branch	13.05	W	View Lobby Hours
Lewis Keycenter Branch	14.22	X	View Lobby Hours
Powell Keycenter Branch	14.54	Y	View Lobby Hours
Burnett Plaza Branch	41.00	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

KeyBank has significant lending to the oil and gas industry in excess of $3.60 billion and is aggressively courting new oil and gas business with little effort to curtail its work in this space. The bank also claims to have significant exposure to battery and solar + storage projects.

Updated April 3, 2024

Climate Score: C

KeyBank is clearly a player in financing renewable energy projects, but has decades of work in the oil and gas sector.

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Financial Details

KeyBank National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of KeyBank National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

KeyBank National Association	U.S. Bank Average
5.94%	4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, KeyBank National Association had $963,917,000 in non-current loans and $22,971,000 in owned real estate. To cover these potential losses it had $15,047,616,000 in equity and $1,561,628,000 in loans loss reserves. That gives it a Texas Ratio of 5.94%.

Return on Equity

KeyBank National Association	U.S. Bank Average
8.42%	10.46%

KeyBank National Association has a Return on Equity of 8.42% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

KeyBank National Association	U.S. Bank Average
8.14%	10.84%

KeyBank National Association has a Capitalization of 8.14% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

KeyBank National Association Balance Sheet Analysis

As of June 30, 2024, KeyBank National Association had assets of $184,963,242,000, loans of $106,324,464,000, and deposits of $149,273,809,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024

ASSETS
Cash & Balances due from depository institutions	$ 16.86 billion
Interest-bearing balances	$ 15.51 billion
Total securities	$ 45.43 billion
Federal funds sold and reverse repurchase	$ 5.65 million
Net loans and leases	$ 106.32 billion
Loan loss allowance	$ 1,561.63 million
Trading account assets	$ 232.38 million
Bank premises and fixed assets	N.A.
Other real estate owned	$ 22.97 million
Goodwill and other intangibles	$ 3.23 billion
All other assets	$ 10.47 billion
Total Assets	$ 169.92 billion

LIABILITIES
Total deposits	$ 149.27 billion
Interest-bearing deposits	$ 121.11 billion
Deposits held in domestic offices	$ 149.27 billion
% insured (estimated)	53.48%
Federal funds purchased and repurchase agreements	$ 25.43 million
Trading liabilities	$ 1,205.62 million
Other borrowed funds	$ 13.16 billion
Subordinated debt	$ 1,852.80 million
All other liabilities	$ 2.52 billion
Total Liabilities	$ 169.92 billion
Shareholders’ Equity	$ 15.05 billion

Summary Income Statement

June 30, 2024

INCOME AND EXPENSES
Total Interest Income	$ 4.08 billion
Total Interest Expense	$ 2.16 billion
Net interest income	$ 1,915.46 million
Provision for loan and lease losses	$ 201.38 million
Total non interest income	$ 1,004.63 million
Total non interest expense	$ 1,941.08 million
Pre-tax Net Operating Income	$ 1,320.48 million

Bank Loan Profile^?

The top three loan types in KeyBank National Association’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Ohio, KeyBank National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	26.15		✓
Multifamily Mortgages	6.05		✓
Credit Card Loans	0.91		✓
Consumer Auto Loans	0.17		✓
Small Business Loans	0.07	✓
Construction and Development Loans	2.02		✓
Commercial Real Estate	9.53		✓
Commercial and Industrial Loans	41.19			✓
Farm Loans	0.51		✓

KeyBank National Association Articles

KeyBank Offers Free iPod Touch

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Customer Reviews for KeyBank National Association

Seeko

March 28, 2023 |

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous.

Is this review helpful? Yes:0 / No: 0
kevinmasters

December 25, 2017

Try to transfer your money if you havent used your account in a while. You cant because its frozen.

Is this review helpful? Yes:1 / No: 0