MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. Elderton State Bank
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Elderton State Bank Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| iEditorial Disclosure
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: March 25, 2026

Elderton State Bank's 11-Month CERTIFICATE SPECIAL rates are at 3.75%. 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 19.78%. Rates were last updated on 03/25/2026.

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.

Overall Health & Safety Grade ?
A-
Very Good Health Score: 90/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
19.78%
Good Higher than avg
Elderton State Bank
143 N Main St
Elderton, PA 15736
https://www.eldertonbank.com
Member FDIC

Elderton State Bank CD Rates

Product Rate APY Term View More
11 MONTH CERTIFICATE SPECIAL 3.69% 3.75% 11
Min Deposit $2,500
Min Balance $2,500
Last Updated 03/25/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.78%

Elderton State Bank Savings Rates

Product Rate APY View More
Statement Savings - 0.30%
Min Deposit $100
Min Balance $100
Details Rate is variable and may change after the account is opened. Rate is current as of 10/24/25 and is subject to change. There is a $2.00 monthly service charge if daily balance requirement of $100.00 is not maintained. Interest is compounded and credited semi-annually. No minimum balance is required to open account for customers age 18 or younger. Fees could reduce earnings.
Last Updated 03/25/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.78%

Elderton State Bank Checking Rates

Product Rate APY View More
Loyalty Rewards Checking - 2.50%
Min Deposit $100
Details Qualifications Required: Make at least 12 debit card purchases; Have at least 1 ACH, Bill Pay, or Direct Deposit; Enroll in eStatements; Qualifying balance up to $30,000.00
Last Updated 03/25/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.78%
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.
Powered by MonitorBankRates

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 Name Elderton State Bank
Bank Holding Company KEYSTRONG FINANCIAL INC
Address 143 N Main St, Elderton, PA 15736  ·  Armstrong
Website https://www.eldertonbank.com
FDIC Certificate # 12985
Established 10/01/1919
FDIC Insurance Date 01/01/1934
Domestic Offices 3
Total Branches 3
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-
Overall Health Grade Score: 90/100
5.0
Exceptional Out of 5.0 Stars
19.78%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.4123%
Return on Equity (ROE) 11.9500%
Non-Performing Loans (NPL) 1.93%
Total Assets $441,709,000
Total Deposits $345,007,000
Equity Capital $51,619,000
Net Income $5,937,000
Headquarters Elderton
Total Offices 3
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

There are no reviews for Elderton State Bank yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Elderton State Bank
Your Name:
Your Rating:

Frequently Asked Questions About Elderton State Bank

Is Elderton State Bank a safe place to deposit money?

Yes, Elderton State Bank is considered a safe financial institution. With a Texas Ratio of 19.777371502627%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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 CD3.75%
  • Savings0.30%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

MyCBB Huntingdon Savings Bank BankFlorida American National Bank & Trust First State Bank of Middlebury Grand Timber Bank Flora Bank & Trust Peoples Bank of Wyaconda, Missouri Pacific Western Bank Bank360 I3 Bank First Federal Savings Bank Evansville, IN Oakwood Bank The Bank of Glen Burnie Main Bank Orrstown Bank Big Horn Federal Savings Bank American Trust and Savings Bank FNB of Manning New Millennium Bank American Commerce Bank, N.A.