What are the current interest rates at Alden State Bank?

Current rates for Alden State Bank include: 18-Month CD: 3.35%

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Alden State Bank Rates & Review October 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 and Verified: October 7, 2026

Alden State Bank's top rate as of October 7, 2026 is 3.35% APY on its 18-Months 18-month CD, according to rates verified by MonitorBankRates. 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 11.55%. Rates last updated and verified on 10/07/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.55%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Alden State Bank

13216 Broadway St
Alden, NY 14004

https://www.aldenstate.com/

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Alden State Bank CD Rates

Product	Rate	APY	Term	View More
18-month CD	3.31%	3.35%	18 months
Min Deposit $500 Details Rates accurate as of 09/22/2026. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.55%

Alden State Bank Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	3.93%	-	4.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01 - $15,000 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.55%
Kasasa Cash Checking	0.05%	-	0.05%
Details All balances if qualifications not met Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.55%
Kasasa Saver Savings	1.24%	-	1.25%
Min Balance $0 Details Balance: $0.01 - $25,000 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.55%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Alden State Bank’s Texas Ratio stayed near 11.67% in Q3 2023 to 11.55% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$463M	11.55%	5.0	A
March 31, 2026	$452M	11.15%	5.0	A
December 31, 2025	$448M	7.31%	5.0	A
September 30, 2025	$447M	5.47%	5.0	A+
June 30, 2025	$442M	5.86%	5.0	A+
March 31, 2025	$441M	6.16%	5.0	A
December 31, 2024	$420M	6.43%	5.0	A
September 30, 2024	$423M	6.54%	5.0	A
June 30, 2024	$419M	7.41%	5.0	A
March 31, 2024	$418M	9.07%	5.0	A
December 31, 2023	$416M	12.78%	5.0	A
September 30, 2023	$410M	11.67%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 19161005

FDIC Insurance Date 19340101

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

11.55%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1473%

Return on Equity (ROE) 7.6300%

Non-Performing Loans (NPL) 1.72%

Total Assets $463,060,000

Total Deposits $391,269,000

Equity Capital $69,116,000

Net Income $2,607,000

Headquarters Alden

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Alden State Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/alden-state-bank-rates-review-9831">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Alden State Bank

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/.