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Elderton State Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 19, 2026
Elderton State Bank's 15-Month CERTIFICATE SPECIAL rates are at 4.10%, 15-Month CERTIFICATE SPECIAL rates are at 4.00%, 9-Month CERTIFICATE SPECIAL rates are at 3.95%, 15-Month CERTIFICATE SPECIAL rates are at 3.90%, 6-Month - Tier account rates are at 3.70%. Elderton State Bank's savings rates are at 0.30%. MonitorBankRates evaluates the financial stability of Elderton State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.49%. Rates last updated and verified on 09/19/2026.
Elderton 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 Elderton State Bank? Share your experience about Elderton State Bank by leaving a review below, or read customer reviews before you decide to use Elderton State Bank.
Elderton State Bank has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Elderton State Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.49%
ExcellentLower than avg
Elderton State Bank Texas Ratio
Elderton State Bank's Texas Ratio is 5.49%, which is considered excellent and is lower than the national average of 5.85%.
Elderton State Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
19.78% to 5.49% over 12 quarters, improvingFull history
Star Rating 4.6 to 5.0, Health Grade B to A+
The Texas Ratio for this bank has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsAnnual Percentage Yield. Rate is variable and may change after the account is opened. Rate is current as of 4/28/26 and is subject to change. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded annually. Interest will be credited annually in the month listed below with the corresponding club account. If the account is closed before interest is credited, the interest accrued will not be received. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce earnings. Vacation Club pays in May, Christmas Club pays in October, and Property Tax Club pays in August.
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Property Tax Club
-
1.00%
Min Deposit$100
DetailsAnnual Percentage Yield. Rate is variable and may change after the account is opened. Rate is current as of 4/28/26 and is subject to change. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded annually. Interest will be credited annually in the month listed below with the corresponding club account. If the account is closed before interest is credited, the interest accrued will not be received. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce earnings. Vacation Club pays in May, Christmas Club pays in October, and Property Tax Club pays in August.
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Vacation Club
-
1.00%
Min Deposit$100
DetailsAnnual Percentage Yield. Rate is variable and may change after the account is opened. Rate is current as of 4/28/26 and is subject to change. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded annually. Interest will be credited annually in the month listed below with the corresponding club account. If the account is closed before interest is credited, the interest accrued will not be received. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce earnings. Vacation Club pays in May, Christmas Club pays in October, and Property Tax Club pays in August.
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Statement Savings
-
0.30%
Min Deposit$100
Min Balance$100
DetailsRate is variable and may change after the account is opened. Rate is current as of 10/24/25 and is subject to change. $2.00 monthly service charge if daily balance requirement of $100.00 is not maintained. Interest is compounded and credited semi-annually. Fees could reduce earnings.
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Elderton State Bank Checking Rates
Product
Rate
APY
View More
Loyalty Rewards Checking
-
2.50%
Min Deposit$100
DetailsQualifications Required: 12 debit card purchases; 1 ACH, Bill Pay, or Direct Deposit; e-statements enrollment; Balances up to $30,000 receive 2.50% APY, and balances over $30,000 receive 2.50%-0.50% APY depending on the balance maintained. If you do not meet the stated qualifications during a qualification cycle, balances in the account will earn 0.10% APY, regardless of whether the balance is above or below $30,000.
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Elderton State Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
NOW Account
0.25%
-
0.25%
Min Balance$1,000
DetailsDaily Balance: $1,000.00 +; Monthly Service Charge if Daily Balance falls below required minimum: $5.00
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Super NOW Account
0.40%
-
0.40%
Min Balance$2,500
DetailsDaily Balance: $2,500.00 +; Monthly Service Charge if Daily Balance falls below required minimum: $8.00
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Financial Health History
Elderton State Bank’s Texas Ratio fell from 19.78% in Q3 2023 to 5.49% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.6 to 5.0 and its Health Grade from B to A+. 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
$465M
5.49%
5.0
A+
March 31, 2026
$452M
5.09%
5.0
A+
December 31, 2025
$442M
8.55%
5.0
A
September 30, 2025
$426M
5.90%
5.0
A+
June 30, 2025
$418M
8.82%
5.0
A
March 31, 2025
$408M
11.99%
5.0
A
December 31, 2024
$390M
10.51%
5.0
A
September 30, 2024
$384M
11.02%
5.0
A
June 30, 2024
$378M
10.94%
5.0
A
March 31, 2024
$378M
13.93%
5.0
A
December 31, 2023
$375M
17.71%
4.8
B+
September 30, 2023
$359M
19.78%
4.6
B
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 Elderton 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 Elderton 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 Elderton State Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameElderton State Bank
Bank Holding CompanyKEYSTRONG FINANCIAL INC
Address
143 N Main St,
Elderton, PA 15736 · Armstrong
Elderton State Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 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 — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Elderton State Bank yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Elderton State Bank
Frequently Asked Questions About Elderton State Bank
How many branches does Elderton State Bank operate?
Elderton 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, Elderton 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, Elderton State Bank provides members with tools to manage their accounts and build a solid financial history.
Does Elderton State Bank offer online and mobile banking?
Most modern institutions like Elderton 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.eldertonbank.com.
Current Elderton State Bank Rates
12-Month CD3.40%
24-Month CD3.15%
36-Month CD2.90%
48-Month CD2.90%
60-Month CD2.90%
Savings0.30%
Retrieved from our database of financial products. Rates subject to change.