What are the current interest rates at Elderton State Bank?

Current rates for Elderton State Bank include: 12-Month CD: 3.40%, 24-Month CD: 3.15%, 36-Month CD: 2.90%, 48-Month CD: 2.90%, 60-Month CD: 2.90%, Savings: 0.30%

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Elderton State Bank Rates & Review November 2026

Q: What CD terms does Elderton State Bank offer?

Elderton State Bank CD rates are 3.70% APY for a 6 month CD, 4.20% APY for a 9 month CD, 3.60% APY for a 12 month CD, 4.25% APY for a 15 month CD, 3.15% APY for a 2 year CD, 2.90% APY for a 3 year CD, 2.90% APY for a 4 year CD and 2.90% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Elderton State Bank for its full lineup.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Elderton State Bank's 15-Month CD SPECIAL rates are at 4.25%, 9-Month CD SPECIAL rates are at 4.20%, 6-Month - Tier account rates are at 3.70%, IRA - 6-Month - Tier account rates are at 3.70%, 12-Month - Tier account rates are at 3.60%. Elderton State Bank's savings rates are at 0.30%. Elderton State Bank's checking rates are as high as 2.50%. Elderton State Bank's top CD rate of 4.25% APY on a 15 month CD is 42% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. 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 4.52%. Rates last updated and verified on 11/06/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.52%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Elderton State Bank

143 N Main St
Elderton, PA 15736

https://www.eldertonbank.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.

Elderton State Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
15-MONTH CD SPECIAL	4.17%	4.25%	15 months	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History 2 changes since Sep 24, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10% Nov 6, 20264.25%▲ from 4.20% Oct 20, 20264.20%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
9-MONTH CD SPECIAL	4.12%	4.20%	9 months	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History 2 changes since Sep 11, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.25% / low 3.95% Nov 6, 20264.20%▼ from 4.25% Oct 20, 20264.25%▲ from 3.95% Sep 11, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
15-MONTH CD SPECIAL	4.07%	4.15%	15 months	$2,500
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balance Last Updated 11/06/2026 Rate History 2 changes since Sep 24, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Nov 6, 20264.15%▲ from 4.10% Oct 20, 20264.10%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
15-MONTH CD SPECIAL	3.98%	4.05%	15 months	$2,500
Min Deposit $2,500 Min Balance $0 Details Balance: up to $9,999.99; Daily balance Last Updated 11/06/2026 Rate History 1 change since Sep 11, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00% Nov 6, 20264.05%▲ from 4.00% Sep 11, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6-month - Tier account	3.64%	3.70%	6 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 6-month - Tier account	3.64%	3.70%	6 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12-month - Tier account	3.54%	3.60%	12 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6-month - Tier account	3.54%	3.60%	6 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 12-month - Tier account	3.54%	3.60%	12 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 6-month - Tier account	3.54%	3.60%	6 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12-month - Tier account	3.445%	3.50%	12 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6-month - Tier account	3.45%	3.50%	6 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: up to $9,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 12-month - Tier account	3.445%	3.50%	12 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 6-month - Tier account	3.45%	3.50%	6 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $9,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12-month - Tier account	3.35%	3.40%	12 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: up to $9,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 12-month - Tier account	3.35%	3.40%	12 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $9,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
24-month - Tier account	3.30%	3.35%	24 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 24-month - Tier account	3.30%	3.35%	24 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
24-month - Tier account	3.20%	3.25%	24 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 24-month - Tier account	3.20%	3.25%	24 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
24-month - Tier account	3.11%	3.15%	24 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: up to $9,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 24-month - Tier account	3.11%	3.15%	24 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $9,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
3-month - Tier account	3.06%	3.10%	3 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
36-month - Tier account	3.06%	3.10%	36 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
48-month - Tier account	3.06%	3.10%	48 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
60-month - Tier account	3.06%	3.10%	60 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 3-month - Tier account	3.06%	3.10%	3 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 36-month - Tier account	3.06%	3.10%	36 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 48-month - Tier account	3.06%	3.10%	48 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 60-month - Tier account	3.06%	3.10%	60 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-2,000,000.00; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
3-month - Tier account	2.96%	3.00%	3 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
36-month - Tier account	2.96%	3.00%	36 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
48-month - Tier account	2.96%	3.00%	48 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
60-month - Tier account	2.96%	3.00%	60 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 3-month - Tier account	2.96%	3.00%	3 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 48-month - Tier account	2.96%	3.00%	48 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 60-month - Tier account	2.96%	3.00%	60 months	$1,000
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-49,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
3-month - Tier account	2.86%	2.90%	3 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: up to $9,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
36-month - Tier account	2.86%	2.90%	36 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: up to $9,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
48-month - Tier account	2.86%	2.90%	48 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: up to $9,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
60-month - Tier account	2.86%	2.90%	60 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Balance: up to $9,999.99; Daily balance Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 3-month - Tier account	2.86%	2.90%	3 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $9,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 36-month - Tier account	2.86%	2.90%	36 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $9,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 48-month - Tier account	2.86%	2.90%	48 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $9,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
IRA - 60-month - Tier account	2.86%	2.90%	60 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $9,999.99; Daily balances Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

Elderton State Bank Savings Rates

Product	Rate	APY
Christmas Club (payout in October)	-	1.00%
Min Deposit $5 Details Interest credited annually in October; deposits in any amount, funded from Elderton State Bank Checking Account if desired; rate current as of 4/28/26 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Property Tax Club (payout in August)	-	1.00%
Min Deposit $5 Details Interest credited annually in August; deposits in any amount, funded from Elderton State Bank Checking Account if desired; rate current as of 4/28/26 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Vacation Club (payout in May)	-	1.00%
Min Deposit $5 Details Interest credited annually in May; deposits in any amount, funded from Elderton State Bank Checking Account if desired; rate current as of 4/28/26 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Statement Savings	-	0.30%
Min Deposit $100 Details Daily balance requirement of $100.00; $2.00 monthly service charge if not maintained; no minimum balance to open for customers age 18 or younger; interest compounded and credited semi-annually; rate current as of 10/24/25 Last Updated 11/06/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

Elderton State Bank Checking Rates

Product	Rate	APY
Loyalty Rewards Checking	-	2.50%
Min Deposit $100 Details Qualifications Required; Qualifying balance up to $30,000.00 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Super NOW Checking	2.47%	2.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 11/06/2026 Rate History No change since Oct 11, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Super NOW Checking	1.49%	1.50%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99 Last Updated 11/06/2026 Rate History No change since Oct 11, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Super NOW Checking	1.045%	1.05%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99 Last Updated 11/06/2026 Rate History No change since Oct 11, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Super NOW Checking	0.40%	0.40%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99 Last Updated 11/06/2026 Rate History No change since Oct 11, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
NOW Checking	0.25%	0.25%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00; Monthly service charge $5.00 if Daily Balance falls below required minimum Last Updated 11/06/2026 Rate History No change since Oct 11, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Super NOW Checking	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: 0.00 - $2,499.99 Last Updated 11/06/2026 Rate History 1 change since Oct 11, 2026 · 0.40% → 0.25% ▼ 0.15 pts · high 0.40% / low 0.25% Oct 20, 20260.25%▼ from 0.40% Oct 11, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

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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Financial Health History

Elderton State Bank’s Texas Ratio fell from 11.64% in Q3 2023 to 4.52% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A 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	4.52%	5.0	A+
March 31, 2026	$452M	3.86%	5.0	A+
December 31, 2025	$442M	4.26%	5.0	A+
September 30, 2025	$426M	4.41%	5.0	A+
June 30, 2025	$418M	6.58%	5.0	A
March 31, 2025	$408M	7.57%	5.0	A
December 31, 2024	$390M	8.19%	5.0	A
September 30, 2024	$384M	8.70%	5.0	A
June 30, 2024	$378M	8.52%	5.0	A
March 31, 2024	$378M	8.63%	5.0	A
December 31, 2023	$375M	13.02%	5.0	A
September 30, 2023	$359M	11.64%	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 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

Bank Name Elderton State Bank

Website https://www.eldertonbank.com

Address 143 N Main St, Elderton, PA 15736 · Armstrong

Bank Holding Company KEYSTRONG FINANCIAL INC

FDIC Certificate # 12985

Regulator FDIC

Established October 1, 1919

FDIC Insurance Date January 1, 1934

Domestic Offices 3

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.52%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.6641%

Return on Equity (ROE)

14.1600%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

$465,167,000

Total Deposits

$359,644,000

Equity Capital

$54,533,000

Net Income

$3,769,000

Headquarters

Elderton

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Elderton State Bank earned the Verified Healthy badge

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Customer Reviews

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☆☆☆☆☆

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Frequently Asked Questions About Elderton State Bank

Does Elderton State Bank offer CDs?

Yes. Elderton State Bank current CD rates include its 15-Month CD SPECIAL at 4.25% APY, its 9-Month CD SPECIAL at 4.20% APY and its 6-Month - Tier account CD at 3.70% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Elderton State Bank FDIC insured?

Yes. Elderton 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 Elderton State Bank?

The highest Elderton State Bank CD rate is its 15-Month CERTIFICATE SPECIAL at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Elderton State Bank offer?

Elderton State Bank CD rates are 3.70% APY for a 6 month CD, 4.20% APY for a 9 month CD, 3.60% APY for a 12 month CD, 4.25% APY for a 15 month CD, 3.15% APY for a 2 year CD, 2.90% APY for a 3 year CD, 2.90% APY for a 4 year CD and 2.90% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Elderton State Bank for its full lineup.

What is the highest savings rate at Elderton State Bank?

The highest Elderton State Bank savings rate is its Statement Savings at 0.30% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Elderton State Bank?

The highest Elderton State Bank checking rate is its Loyalty Rewards Checking at 2.50% APY, verified by MonitorBankRates as of November 6, 2026.

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.

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 Elderton State Bank rates compare?

Elderton State Bank's top CD rate of 4.25% APY on a 15 month CD is 42% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. Elderton State Bank's top rates are its 15-Months 15-Month CERTIFICATE SPECIAL at 4.25% APY, its Statement Savings at 0.30% APY and its Loyalty Rewards Checking at 2.50% APY, verified by MonitorBankRates on November 6, 2026.

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.

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Elderton State Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Elderton State Bank Texas Ratio

Elderton State Bank Health Trend

Elderton State Bank CD Rates

Elderton State Bank Savings Rates

Elderton State Bank Checking Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Elderton State Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Elderton State Bank

Does Elderton State Bank offer CDs?

Are CDs from Elderton State Bank FDIC insured?

What is the highest CD rate at Elderton State Bank?

What CD terms does Elderton State Bank offer?

What is the highest savings rate at Elderton State Bank?

What is the highest checking rate at Elderton State Bank?

How many branches does Elderton State Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Elderton State Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

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

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

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

How do Elderton State Bank rates compare?

Current Elderton State Bank Rates

Compare to Other Banks