What are the current interest rates at Arlington State Bank?

Current rates for Arlington State Bank include: 12-Month CD: 0.15%, 18-Month CD: 0.20%, 36-Month CD: 0.35%, 48-Month CD: 0.40%, 60-Month CD: 0.50%, Savings: 0.05%, MMA: 0.05%

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Arlington State Bank

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Arlington State Bank Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Arlington State Bank's 5 Year (60-Month) rates are at 0.50%, 4 Year (48-Month) rates are at 0.40%, 3 Year (36-Month) rates are at 0.35%, 30-Month Certificate rates are at 0.30%, 21-Month Certificate rates are at 0.25%. Arlington State Bank's savings rates are at 0.05%. Arlington State Bank's money market rates are at 0.05%. 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 09/20/2026.

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

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

Arlington State Bank CD Rates

Product	Rate	APY	Term
5 Year (60 Month)	0.50%	0.50%	5 Year (60 Month)
Min Deposit $5,000 Min Balance $5,000 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
4 Year (48 Month)	0.40%	0.40%	4 Year (48 Month)
Min Deposit $10,000 Min Balance $10,000 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
3 Year (36 Month)	0.35%	0.35%	3 Year (36 Month)
Min Deposit $2,500 Min Balance $2,500 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
30 Month Certificate	0.30%	0.30%	30 Month
Min Deposit $500 Min Balance $500 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
21 Month Certificate	0.25%	0.25%	21 Month
Min Deposit $10,000 Min Balance $10,000 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
18 Month Certificate	0.20%	0.20%	18 Month
Min Deposit $500 Min Balance $500 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
12 Month (Kids)	0.15%	0.15%	12 Month (Kids)
Min Deposit $100 Min Balance $100 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
12 Month Certificate	0.15%	0.15%	12 Month
Min Deposit $500 Min Balance $500 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
15 Month Certificate	0.15%	0.15%	15 Month
Min Deposit $5,000 Min Balance $5,000 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
3 Month Certificate	0.05%	0.05%	3 Month
Min Deposit $1,000 Min Balance $1,000 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
6 Month Certificate	0.05%	0.05%	6 Month
Min Deposit $2,500 Min Balance $2,500 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
7 Month Certificate	0.05%	0.05%	7 Month
Min Deposit $5,000 Min Balance $5,000 Details a) A penalty will be imposed for early withdrawal.b) Daily Balance. The amount of principal required in the account each day to obtain APY.c) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%

Arlington State Bank Savings Rates

Product	Rate	APY	View More
Passbook Savings	0.05%	0.05%
Min Deposit $100 Min Balance $25 Details a) Daily Balance. The amount of principal required in the account each day to obtain APY.b) APY = Annual Percentage Yield Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%

Arlington State Bank Money Market Rates

Product	Rate	APY
Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 and up. a) Daily Balance. The amount of principal required in the account each day to obtain APY.b) APY = Annual Percentage Yield c) The interest rate and annual percentage yield may change after account opening.d) A minimum daily balance of $2,500.00 is required to avoid the imposition of the $5.00 maintenance fee every statement cycle. Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: up to $2,499.99. a) Daily Balance. The amount of principal required in the account each day to obtain APY.b) APY = Annual Percentage Yield c) The interest rate and annual percentage yield may change after account opening.d) A minimum daily balance of $2,500.00 is required to avoid the imposition of the $5.00 maintenance fee every statement cycle. Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%

Arlington State Bank Checking Rates

Product	Rate	APY
SuperNow Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details a) Daily Balance. The amount of principal required in the account each day to obtain APY.b) APY = Annual Percentage Yield c) Also, the daily Minimum balance required to avoid the imposition of the $5.00 maintenance fee and $0.20 per check fee every statement cycle.d) The interest rate and annual percentage yield may change after account opening.e) An average daily balance of $10,000.00 is required to avoid the imposition of the $5.00 maintenance fee and $0.20 per check fee every statement cycle. Last Updated 09/20/2026 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 Details a) Daily Balance. The amount of principal required in the account each day to obtain APY.b) APY = Annual Percentage Yield c) Also, the daily Minimum balance required to avoid the imposition of the $5.00 maintenance fee and $0.20 per check fee every statement cycle.d) The interest rate and annual percentage yield may change after account opening.e) An average daily balance of $10,000.00 is required to avoid the imposition of the $5.00 maintenance fee and $0.20 per check fee every statement cycle. Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%

Arlington State Bank Other Rates

Product	Rate	Points	APY/APR
ROTH IRA	0.30%	-	0.30%
Min Deposit $500 Min Balance $500 Details a) Daily Balance. The amount of principal required in the account each day to obtain APY.b) APY = Annual Percentage Yield c) Early Distribution penalties may apply on withdrawals made before age 591/2. See a competent tax advisor to help you determine what is best for your situation. Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%
Traditional IRA	0.30%	-	0.30%
Min Deposit $500 Min Balance $500 Details a) Daily Balance. The amount of principal required in the account each day to obtain APY.b) APY = Annual Percentage Yield c) Early Distribution penalties may apply on withdrawals made before age 591/2. See a competent tax advisor to help you determine what is best for your situation. Last Updated 09/20/2026 Institution Ratings 4.1 Star Rating B Health Grade ◈ Texas Ratio: 12.24%

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

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.

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	$57M	12.24%	4.1	B
March 31, 2026	$57M	0.34%	3.8	B+
December 31, 2025	$55M	0.14%	4.6	A
September 30, 2025	$54M	0.86%	4.1	A-
June 30, 2025	$57M	0.41%	3.0	B-
March 31, 2025	$57M	0.41%	2.3	C-
December 31, 2024	$57M	0.25%	1.5	D
September 30, 2024	$58M	0.45%	2.6	C
June 30, 2024	$60M	1.31%	1.0	F
March 31, 2024	$62M	0.35%	1.0	F
December 31, 2023	$61M	49.15%	1.0	F
September 30, 2023	$60M	263.56%	1.0	F

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

Institution Name Arlington State Bank

Bank Holding Company ARLCO INC

Address 230 W Main St, Arlington, MN 55307 · Sibley

Website https://www.arlingtonstatebank.com

FDIC Certificate # 1391

Established 18950604

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 85/100

4.1

Excellent Out of 5.0 Stars

12.24%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1354%

Return on Equity (ROE) 2.2000%

Non-Performing Loans (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 06/30/2026

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Frequently Asked Questions About Arlington State Bank

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.