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: 0.10%

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Equitable Savings and Loan Association

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Equitable Savings and Loan Association Rates & Review October 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: October 11, 2026

Equitable Savings and Loan Association's top rates as of October 11, 2026 are 3.67% APY on its 60-Months 60-Month IRA CD, 0.10% APY on savings, 0.10% APY on money market accounts, and 0.02% APY on checking, according to rates verified by MonitorBankRates. Other Equitable Savings and Loan Association CD rates include 48-Months 48-Month IRA at 3.56%, 48-59-Months Certificate of Deposit - 48-59-Month at 3.56%, and 36-Months 36-Month IRA at 3.46%. 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 2.08%. Rates last updated and verified on 10/11/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.08%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Equitable Savings and Loan Association

221 N 3rd St
Sterling, CO 80751

https://www.equitable-savings.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.

Equitable Savings and Loan Association CD Rates

Product	Rate	APY	Term
60 MONTH IRA	3.60%	3.67%	60 months
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 3 MO+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.67% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
48 MONTH IRA	3.50%	3.56%	48 months
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 3 MO+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Certificate of Deposit - 48-59 MONTH	3.50%	3.56%	48-59 months
Min Deposit $500 Min Balance $500 Details Penalty: 3 MO+ Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
36 MONTH IRA	3.40%	3.46%	36 months
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 12 MO Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
36-47 MONTH CD	3.40%	3.46%	36-47 months
Min Deposit $10,000 Min Balance $10,000 Details Penalty: 12 MO Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 3.46% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
24 MONTH IRA	3.30%	3.35%	24 months
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 9 MO Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
24-35 MONTH CD	3.30%	3.35%	24-35 months
Min Deposit $10,000 Min Balance $10,000 Details Penalty: 9 MO Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
12 MONTH IRA	3.20%	3.25%	12 months
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 6 MO Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
12-23 MONTH CD	3.20%	3.25%	12-23 months
Min Deposit $10,000 Min Balance $10,000 Details Penalty: 6 MO Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
IRA 18 MONTH CD	3.20%	3.25%	18 months
Min Deposit $100 Min Balance $100 Details Penalty: 6 MO Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
12 Month Jumbo Certificate	3.20%	3.20%	12 MONTH
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
6 MONTH IRA	3.10%	3.15%	6 months
Min Deposit $2,000 Min Balance $2,000 Details Penalty: 3 MO Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
6-11 MONTH CD	3.10%	3.15%	6-11 months
Min Deposit $10,000 Min Balance $10,000 Details Penalty: 3 MO Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
6 Month Jumbo Certificate	3.10%	3.10%	6 MONTH
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Certificate of Deposit - 36-47 MONTH	2.55%	2.58%	36-47 months
Min Deposit $500 Min Balance $500 Details Penalty: 12 MO Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 2.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Certificate of Deposit - 24-35 MONTH	1.45%	1.46%	24-35 months
Min Deposit $500 Min Balance $500 Details Penalty: 9 MO Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.46% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Certificate of Deposit - 12-23 MONTH	1.15%	1.16%	12-23 months
Min Deposit $500 Min Balance $500 Details Penalty: 6 MO Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.16% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Certificate of Deposit - 6-11 MONTH	1.05%	1.06%	6-11 months
Min Deposit $1,000 Min Balance $1,000 Details Penalty: 3 MO Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
3 Month Jumbo Certificate	0.95%	0.95%	3 MONTH
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Certificate of Deposit - 3-5 MONTH	0.95%	0.95%	3-5 months
Min Deposit $1,000 Min Balance $1,000 Details Penalty: 3 MO Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%

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 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%

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 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
MMA-PERSONAL	0.10%	0.10%
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
MMA-NONPERSONAL	0.05%	0.05%
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
MMA-PERSONAL	0.05%	0.05%
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
MMA-NONPERSONAL	0.02%	0.02%
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
MMA-PERSONAL	0.02%	0.02%
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%

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 10/11/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
NOW-CHECKING WITH INTEREST	0.02%	0.02%
Min Deposit $200 Min Balance $200 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%

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

Equitable Savings and Loan Association’s Texas Ratio rose from 0.32% in Q3 2023 to 2.08% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$168M	2.08%	5.0	A+
March 31, 2026	$172M	2.08%	5.0	A+
December 31, 2025	$170M	2.08%	5.0	A+
September 30, 2025	$167M	1.28%	5.0	A+
June 30, 2025	$160M	0.41%	5.0	A+
March 31, 2025	$161M	0.48%	5.0	A+
December 31, 2024	$162M	0.48%	5.0	A+
September 30, 2024	$161M	0.00%	5.0	A+
June 30, 2024	$156M	0.00%	5.0	A+
March 31, 2024	$153M	0.32%	5.0	A+
December 31, 2023	$156M	0.32%	5.0	A+
September 30, 2023	$158M	0.32%	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 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 19210101

FDIC Insurance Date 19890809

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.08%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1058%

Return on Equity (ROE) 0.6800%

Non-Performing Loans (NPL) 0.19%

Total Assets $168,344,000

Total Deposits $128,195,000

Equity Capital $26,388,000

Net Income $90,000

Headquarters Sterling

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Equitable Savings and Loan Association earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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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.