{"name":"Beal Bank USA","domain":"bealbank.com","url":"https://optimly.ai/brand/beal-bank-usa","is_claimed":false,"categories":["fintech-financial-services"],"headers":[{"header":"Overview","sections":[{"key":"short_description","label":"Tagline","shape":"text","content":"Beal Bank USA is a deposit-focused bank offering certificates of deposit through online and branch banking, with competitive rates and a focus on financial strength.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"description","label":"Description","shape":"text","content":"Beal Bank USA offers fixed-rate certificates of deposit with terms ranging from three months to 60 months. It operates branches in 10 major US markets, provides US-based representatives, and emphasizes disciplined risk management, strong capitalization, and straightforward service.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"}]},{"header":"Identity","sections":[{"key":"mission","label":"Mission","shape":"text","content":"To take deposits, pay competitive rates, and manage risk carefully while providing simple, dependable banking services.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"leadership","label":"Founders & leadership","shape":"text","content":"Andy Beal is identified as the founder of Beal Bank USA.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"website","label":"Website","shape":"text","content":"https://bealbank.com","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"voice_tone","label":"Voice & tone","shape":"text","content":"Straightforward, disciplined, reassuring, and customer-focused.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"headquarters","label":"Headquarters","shape":"text","content":"1970 Village Center Circle, Suite 1, Las Vegas, NV 89134, United States","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"parent_ownership","label":"Parent ownership","shape":"text","content":"The website identifies affiliated companies including an investment firm focused on complex credit and specialty debt and a commercial loan servicer, but does not identify a parent company.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"}]},{"header":"Offerings","sections":[{"key":"problem_solved","label":"Problem solved","shape":"text","content":"Helps customers put savings to work through predictable, fixed-rate certificate of deposit returns, supported by accessible representatives and branch locations.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"core_capabilities","label":"Core capabilities","shape":"text","content":"Certificate of deposit products\nOnline account opening\nBranch banking in 10 US markets\nSavings earnings calculation\nUS-based customer support\nDeposit and account servicing\nFinancially disciplined deposit-focused banking","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"products","label":"Products / SKUs","shape":"text","content":"3-month certificate of deposit\n6-month certificate of deposit\n9-month certificate of deposit\n12-month certificate of deposit\n18-month certificate of deposit\n24-month certificate of deposit\n30-month certificate of deposit\n36-month certificate of deposit","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"pricing","label":"Pricing","shape":"text","content":"Online CDs require a minimum one-time deposit of $25,000. Advertised APYs range from 4.00% to 4.40% across the listed terms, with the 24-month CD advertised at 4.40%. Rates are fixed for the CD term and subject to change upon renewal; early withdrawals incur a penalty. APYs are stated as accurate as of November 7, 2026, according to the website.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"}]},{"header":"Audience","sections":[{"key":"target_industry","label":"Target industry","shape":"text","content":"Retail banking and deposit services","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"customer_base","label":"Customer base","shape":"text","content":"Individuals seeking to save through certificates of deposit, including long-term depositors and customers seeking predictable returns. Beal Bank USA states that it cannot open accounts for residents of Texas and Ohio.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"icp","label":"Ideal customer profile","shape":"text","content":"Individuals with at least $25,000 available for a fixed-term deposit who want predictable CD earnings, competitive rates, and access to online or branch-based banking support.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"use_cases","label":"Use cases","shape":"text","content":"Maximizing savings through fixed-rate CDs\nChoosing a short-term CD for funds needed in less than a year\nChoosing a multi-year CD for a longer savings horizon\nEstimating CD earnings before opening an account\nOpening multiple CDs separately\nGetting assistance from a US-based banking representative\nVisiting a local branch to open an account or ask questions","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"},{"key":"customer_outcomes","label":"Customer outcomes","shape":"text","content":"Predictable earnings through a rate locked for the CD term\nA clear maturity value when funds remain deposited until maturity\nAccess to competitive advertised CD rates\nDeposit insurance of up to $250,000 per depositor, per ownership category, for eligible deposits\nAccess to branch and phone support\nNo hidden fees, according to the website","source_type":"1p_website","source_label":"Brand's website","source_url":"https://bealbank.com","updated_at":"2026-11-08T03:34:30.272568+00:00"}]}],"last_refreshed_at":"2026-11-08T03:34:30.283278+00:00","last_changed_at":"2026-11-08T03:34:30.292396+00:00","claim_url":"https://app.optimly.ai/sign-up?claim=07de3c2e-8c18-4061-82a8-2ef20bf852ed"}