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Arlington State Bank Rates & Review November 2026

Arlington State Bank's CD - 5 Year (60-Month) rates are at 0.50%, CD - 4 Year (48-Month) rates are at 0.40%, CD - 3 Year (36-Month) rates are at 0.35%, CD - 30-Month rates are at 0.30%, CD - 21-Month rates are at 0.25%. Arlington State Bank's savings rates are at 0.30%. Arlington State Bank's money market rates are at 0.10%. Arlington State Bank's checking rates are as high as 0.10%. Arlington State Bank's top CD rate of 0.50% APY on a 5 year CD is 83% lower than the MonitorBankRates national average of 2.93% APY for that term, and it has a B health rating. MonitorBankRates evaluates the financial stability of Arlington State Bank with a 4.1 Star Rating, an B Overall Health Grade, and a Texas Ratio of 12.24%. Rates last updated and verified on 11/07/2026.

Arlington 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 Arlington State Bank? Share your experience about Arlington State Bank by leaving a review below, or read customer reviews before you decide to use Arlington State Bank.

Overall Health & Safety Grade ?
B
Solid Health Score: 85/100
MonitorBankRates Rating ?
4.1
Excellent Out of 5.0 Stars
Texas Ratio ?
12.24%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Arlington State Bank
230 W Main St
Arlington, MN 55307
https://www.arlingtonstatebank.com
MemberFDIC
Customer Reviews
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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.

Arlington State Bank CD Rates

Product Rate APY Term Min. Deposit View More
CD - 5-Year (60-Month) 0.50% 0.50% 5 Year $5,000
Min Deposit $5,000
Min Balance $5,000
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Oct 27, 2026: 0.50% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 4-Year (48-Month) 0.40% 0.40% 4 Year $10,000
Min Deposit $10,000
Min Balance $10,000
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Oct 27, 2026: 0.40% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 3-Year (36-Month) 0.35% 0.35% 3 Year $2,500
Min Deposit $2,500
Min Balance $2,500
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Oct 27, 2026: 0.35% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 30-Month 0.30% 0.30% 30 Month $500
Min Deposit $500
Min Balance $500
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Oct 27, 2026: 0.30% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 21-Month 0.25% 0.25% 21 Month $10,000
Min Deposit $10,000
Min Balance $10,000
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 27, 2026: 0.25% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 18-Month 0.20% 0.20% 18 Month $500
Min Deposit $500
Min Balance $500
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Oct 27, 2026: 0.20% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 12-Month 0.15% 0.15% 12 Month $500
Min Deposit $500
Min Balance $500
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 27, 2026: 0.15% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 15-Month 0.15% 0.15% 15 Month $5,000
Min Deposit $5,000
Min Balance $5,000
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 27, 2026: 0.15% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 3-Month 0.05% 0.05% 3 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 27, 2026: 0.05% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 6-Month 0.05% 0.05% 6 Month $2,500
Min Deposit $2,500
Min Balance $2,500
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 27, 2026: 0.05% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
CD - 7-Month 0.05% 0.05% 7 Month $5,000
Min Deposit $5,000
Min Balance $5,000
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 27, 2026: 0.05% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%

Arlington State Bank Savings Rates

Product Rate APY View More
ROTH IRA Savings 0.30% 0.30%
Min Deposit $500
Min Balance $500
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 27, 2026: 0.30% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
Traditional IRA Savings 0.30% 0.30%
Min Deposit $500
Min Balance $500
Last Updated 11/07/2026
Rate History
No change since Oct 27, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 27, 2026: 0.30% APYOct 27, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
Passbook Savings 0.05% 0.05%
Min Deposit $100
Min Balance $25
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 12 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%

Arlington State Bank Money Market Rates

Product Rate APY View More
Money Market Account 0.10% 0.10%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $2,500.00 and up
Last Updated 11/07/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
Money Market Account 0.05% 0.05%
Min Deposit $2,500
Details Balance: up to $2,499.99
Last Updated 11/07/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 22, 2026: 0.05% APYOct 22, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%

Arlington State Bank Checking Rates

Product Rate APY View More
SuperNow Checking 0.10% 0.10%
Min Deposit $2,500
Min Balance $2,500
Details Average daily balance of $10,000.00 avoids $5.00 maintenance fee and $0.20 per check fee
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
Now Checking 0.05% 0.05%
Min Deposit $900
Min Balance $900
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 9, 2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
Regular Checking 0.00% 0.00%
Min Deposit $200
Min Balance $200
Last Updated 11/07/2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%
Student/Senior Citizen Checking 0.00% 0.00%
Min Deposit $100
Last Updated 11/07/2026
Institution Ratings
4.1
Star Rating
B
Health Grade
◈ Texas Ratio: 12.24%

Financial Health History

Arlington State Bank’s Texas Ratio fell from 263.56% in Q3 2023 to 12.24% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 4.1 and its Health Grade from F to B. 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.

0% 1.0★ 89% 2.0★ 178% 3.0★ 267% 4.0★ 356% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 263.56% F Q3 2023 F Q4 2023 F Q1 2024 F Q2 2024 C Q3 2024 D Q4 2024 C- Q1 2025 B- Q2 2025 A- Q3 2025 A Q4 2025 B+ Q1 2026 12.24% B Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$57M12.24%4.1B
March 31, 2026$57M0.34%3.8B+
December 31, 2025$55M0.14%4.6A
September 30, 2025$54M0.86%4.1A-
June 30, 2025$57M0.41%3.0B-
March 31, 2025$57M0.41%2.3C-
December 31, 2024$57M0.25%1.5D
September 30, 2024$58M0.45%2.6C
June 30, 2024$60M1.31%1.0F
March 31, 2024$62M0.35%1.0F
December 31, 2023$61M49.15%1.0F
September 30, 2023$60M263.56%1.0F
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 Arlington 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 Arlington 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 Arlington State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Arlington State Bank
Address 230 W Main St, Arlington, MN 55307  ·  Sibley
Bank Holding Company ARLCO INC
FDIC Certificate # 1391
Regulator FDIC
Established June 4, 1895
FDIC Insurance Date January 1, 1934
Domestic Offices 2
Total Branches 2
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.1 / 5.0 ★
Overall Health & Safety Grade
B (85/100)
Texas Ratio
12.24%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.1354%
Return on Equity (ROE)
2.2000%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
$56,697,000
Total Deposits
$52,693,000
Equity Capital
$3,457,000
Net Income
$38,000
Headquarters
Arlington
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026

Customer Reviews

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Frequently Asked Questions About Arlington State Bank

Does Arlington State Bank offer CDs?

Yes. Arlington State Bank current CD rates include its CD - 5 Year (60-Month) at 0.50% APY, its CD - 4 Year (48-Month) at 0.40% APY and its CD - 3 Year (36-Month) at 0.35% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from Arlington State Bank FDIC insured?

Yes. Arlington State Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Arlington State Bank?

The highest Arlington State Bank CD rate is its Certificate of Deposit - 5 Year (60-Month) at 0.50% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does Arlington State Bank offer?

Arlington State Bank CD rates are 0.15% APY for a 12 month CD, 0.20% APY for an 18 month CD, 0.25% APY for a 21 month CD, 0.30% APY for a 30 month CD, 0.35% APY for a 3 year CD, 0.40% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Arlington State Bank for its full lineup.

What is the highest savings rate at Arlington State Bank?

The highest Arlington State Bank savings rate is its ROTH IRA Savings at 0.30% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at Arlington State Bank?

The highest Arlington State Bank money market rate is its Money Market Account at 0.10% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at Arlington State Bank?

The highest Arlington State Bank checking rate is its SuperNow Checking at 0.10% APY, verified by MonitorBankRates as of November 7, 2026.

How many branches does Arlington State Bank operate?

Arlington State Bank currently maintains approximately 2 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, Arlington 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, Arlington State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Arlington State Bank offer online and mobile banking?

Most modern institutions like Arlington 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.arlingtonstatebank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Arlington State Bank rates compare?

Arlington State Bank's top CD rate of 0.50% APY on a 5 year CD is 83% lower than the MonitorBankRates national average of 2.93% APY for that term, and it has a B health rating. Arlington State Bank's top rates are its Certificate of Deposit - 5 Year (60-Month) at 0.50% APY, its ROTH IRA Savings at 0.30% APY, its Money Market Account at 0.10% APY and its SuperNow Checking at 0.10% APY, verified by MonitorBankRates on November 7, 2026.

Current Arlington State Bank Rates

  • 12-Month CD0.15%
  • 18-Month CD0.20%
  • 36-Month CD0.35%
  • 48-Month CD0.40%
  • 60-Month CD0.50%
  • Savings0.30%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.