What are the current interest rates at Equitable Savings and Loan Association?

Current rates for Equitable Savings and Loan Association include: 12-Month CD: 1.06%, 18-Month CD: 3.25%, 24-Month CD: 1.16%, 36-Month CD: 1.46%, 48-Month CD: 2.58%, 60-Month CD: 3.56%, Savings: 0.10%, MMA: 0.00%

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Equitable Savings and Loan Association

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Equitable Savings and Loan Association Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Equitable Savings and Loan Association 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: August 28, 2026

Equitable Savings and Loan Association's 60-Month IRA rates are at 3.67%, 48-Month IRA rates are at 3.56%, 48-59-Month Certificate of Deposit rates are at 3.56%, 36-Month IRA rates are at 3.46%, 36-47-Month CD rates are at 3.46%. Equitable Savings and Loan Association's savings rates are at 0.10%. Equitable Savings and Loan Association's money market rates are at 0.00%. MonitorBankRates evaluates the financial stability of Equitable Savings and Loan Association with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.32%. Rates last updated and verified on 08/28/2026.

Equitable Savings and Loan Association 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 Equitable Savings and Loan Association? Share your experience about Equitable Savings and Loan Association by leaving a review below, or read customer reviews before you decide to use Equitable Savings and Loan Association.

Exceptional Health Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.32%

Excellent Lower than avg

Equitable Savings and Loan Association

221 N 3rd St
Sterling, CO 80751

https://www.equitable-savings.com

Equitable Savings and Loan Association CD Rates

Product	Rate	APY	Term
60 MONTH IRA	3.60%	3.67%	60 MONTH
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 3 MO+ Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
48 MONTH IRA	3.50%	3.56%	48 MONTH
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 3 MO+ Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
48-59 MONTH Certificate of Deposit	3.50%	3.56%	48-59 MONTH
Min Deposit $500 Min Balance $500 Details Penalty: 3 MO+ Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
36 MONTH IRA	3.40%	3.46%	36 MONTH
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 12 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
36-47 MONTH CD	3.40%	3.46%	47 Month
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
24 MONTH IRA	3.30%	3.35%	24 MONTH
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 9 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
24-35 MONTH CD	3.30%	3.35%	35 Month
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
12 MONTH IRA	3.20%	3.25%	12 MONTH
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 6 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
12-23 MONTH CD	3.20%	3.25%	23 Month
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
IRA 18 MONTH CD	3.20%	3.25%	18 MONTH
Min Deposit $100 Min Balance $100 Details Penalty: 6 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
12 MONTH Jumbo Certificate	3.20%	3.20%	12 MONTH
Min Deposit $100,000 Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
6 MONTH IRA	3.10%	3.15%	6 MONTH
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 3 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
6-11 MONTH CD	3.10%	3.15%	11 Month
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
6 MONTH Jumbo Certificate	3.10%	3.10%	6 MONTH
Min Deposit $100,000 Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
36-47 MONTH Certificate of Deposit	2.55%	2.58%	36-47 MONTH
Min Deposit $500 Min Balance $500 Details Penalty: 12 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
24-35 MONTH Certificate of Deposit	1.45%	1.46%	24-35 MONTH
Min Deposit $500 Min Balance $500 Details Penalty: 9 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
12-23 MONTH Certificate of Deposit	1.15%	1.16%	12-23 MONTH
Min Deposit $500 Min Balance $500 Details Penalty: 6 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
6-11 MONTH Certificate of Deposit	1.05%	1.06%	6-11 MONTH
Min Deposit $1,000 Min Balance $1,000 Details Penalty: 3 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
3-5 MONTH Certificate of Deposit	0.95%	0.95%	3-5 MONTH
Min Deposit $1,000 Min Balance $1,000 Details Penalty: 3 MO Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
3 MONTH Jumbo Certificate	0.95%	0.95%	3 MONTH
Min Deposit $100,000 Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%

Equitable Savings and Loan Association Savings Rates

Product	Rate	APY	View More
Statement Savings	0.10%	0.10%
Min Deposit $50 Min Balance $50 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%

Equitable Savings and Loan Association Money Market Rates

Product	Rate	APY
MMA-NONPERSONAL	0.10%	0.10%
Min Deposit $50,000 Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
MMA-PERSONAL	0.10%	0.10%
Min Deposit $50,000 Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
MMA-NONPERSONAL	0.05%	0.05%
Min Deposit $25,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
MMA-PERSONAL	0.05%	0.05%
Min Deposit $25,000 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
MMA-NONPERSONAL	0.02%	0.02%
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
MMA-PERSONAL	0.02%	0.02%
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
MMA-NONPERSONAL	0.00%	0.00%
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
MMA-PERSONAL	0.00%	0.00%
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%

Equitable Savings and Loan Association Checking Rates

Product	Rate	APY
FREEDOM 55 CHECKING	0.02%	0.02%
Min Deposit $100 Min Balance $200 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
NOW-CHECKING WITH INTEREST	0.02%	0.02%
Min Deposit $200 Min Balance $200 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
BUSINESS CHECKING ACCOUNT	0.00%	0.00%
Min Deposit $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%
VALUE CHECKING	0.00%	0.00%
Min Deposit $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%

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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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Equitable Savings and Loan Association 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 Equitable Savings and Loan Association 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 Equitable Savings and Loan Association's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Equitable Savings and Loan Association

Bank Holding Company FARMERS REALTY CO THE

Address 221 N 3rd St, Sterling, CO 80751 · Logan

Website https://www.equitable-savings.com

FDIC Certificate # 30707

Established 01/01/1921

FDIC Insurance Date 08/09/1989

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.32%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3189%

Return on Equity (ROE) 1.9100%

Non-Performing Loans (NPL) 0.00%

Total Assets $170,327,000

Total Deposits $129,901,000

Equity Capital $26,375,000

Net Income $96,000

Headquarters Sterling

Total Branches and Offices 10

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Equitable Savings and Loan Association earned the Exceptional Health badge

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Frequently Asked Questions About Equitable Savings and Loan Association

How many branches does Equitable Savings and Loan Association operate?

Equitable Savings and Loan Association currently maintains approximately 10 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, Equitable Savings and Loan Association 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, Equitable Savings and Loan Association provides members with tools to manage their accounts and build a solid financial history.

Does Equitable Savings and Loan Association offer online and mobile banking?

Most modern institutions like Equitable Savings and Loan Association 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.equitable-savings.com.