What are the current interest rates at Alden State Bank?

Current rates for Alden State Bank include: 12-Month CD: 2.75%

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Alden State Bank Rates & Review March 2026

Q: How many branches does Alden State Bank operate?

Alden State Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Alden State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alden State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 25, 2026

Alden State Bank's 12-month CD IRA rates are at 2.75%. MonitorBankRates evaluates the financial stability of Alden State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.67%. Rates were last updated on 03/25/2026.

Alden State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alden State Bank? Share your experience about Alden State Bank by leaving a review below, or read customer reviews before you decide to use Alden State Bank.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.67%

Excellent Higher than avg

Alden State Bank

13216 Broadway St
Alden, NY 14004

https://www.aldenstate.com/

Alden State Bank CD Rates

Product	Rate	APY	Term	View More
12-month CD IRA	2.72%	2.75%	12
Min Deposit $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Alden State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Alden State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Alden State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Alden State Bank

FDIC Certificate # 9831

Address 13216 Broadway St, Alden, NY 14004 · Erie

Website https://www.aldenstate.com/

Established 10/05/1916

FDIC Insurance Date 01/01/1934

Domestic Offices 3

Total Branches 3

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.67%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1670%

Return on Equity (ROE) 8.8500%

Non-Performing Loans (NPL) 1.30%

Total Assets $447,835,000

Total Deposits $377,561,000

Equity Capital $67,712,000

Net Income $4,982,000

Headquarters Alden

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

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Total Reviews

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Frequently Asked Questions About Alden State Bank

Is Alden State Bank a safe place to deposit money?

Yes, Alden State Bank is considered a safe financial institution. With a Texas Ratio of 11.666987252348%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Alden State Bank operate?

Alden State Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Alden State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alden State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Alden State Bank offer online and mobile banking?

Most modern institutions like Alden State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.aldenstate.com/.