What are the current interest rates at Reliance Savings Bank?

Current rates for Reliance Savings Bank include: 12-Month CD: 2.95%, 18-Month CD: 0.20%, Savings: 0.15%, MMA: 3.70%

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Reliance Savings Bank Rates & Review November 2026

Q: What CD terms does Reliance Savings Bank offer?

Reliance Savings Bank CD rates are 3.70% APY for a 7 month CD, 3.65% APY for a 9 month CD, 3.45% APY for a 12 month CD, 4.10% APY for a 13 month CD, 3.30% APY for a 15 month CD and 0.20% APY for an 18 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Reliance Savings Bank for its full lineup.

Q: How many branches does Reliance Savings Bank operate?

Reliance Savings Bank currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Reliance Savings Bank's Destination 13-month CD rates are at 4.10%, Destination 7-month CD rates are at 3.70%, Destination 9-month CD rates are at 3.65%, Destination 12-month CD rates are at 3.45%, Destination 15-month CD rates are at 3.30%. Reliance Savings Bank's savings rates are at 0.15%. Reliance Savings Bank's money market rates are at 3.70%. Reliance Savings Bank's checking rates are as high as 0.30%. Reliance Savings Bank's Personal Loan Rates are as low as 11.448%. Reliance Savings Bank's top CD rate of 4.10% APY on a 13 month CD is 36% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Reliance Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.69%. Rates last updated and verified on 11/05/2026.

Reliance Savings 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 Reliance Savings Bank? Share your experience about Reliance Savings Bank by leaving a review below, or read customer reviews before you decide to use Reliance Savings Bank.

Verified Healthy 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

1.69%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Reliance Savings Bank

1300 11th Avenue
Altoona, PA 16601

https://www.reliancebank.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.

Reliance Savings Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
Destination 13-month CD	4.02%	4.10%	13 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Must have a Destination Checking account to open; APY effective date: October 5, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination 13-month CD	-	4.10%	13-month	$1,000
Min Deposit $1,000 Min Balance $0 Details Must have a Destination Checking account to open; $1,000 to open and $0.01 minimum balance to obtain APY; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination 7-month CD	-	3.70%	7-month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Requires Destination Checking account to open (footnote 2); Footnote (1): $1000 to open and $1000 minimum balance to obtain APY; Fees may reduce earning on the account; Early withdrawal penalty applies Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination 9-month CD	3.59%	3.65%	9 months	$1,000
Min Deposit $1,000 Min Balance $0 Details Must have a Destination Checking account to open; APY effective date: October 5, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination 9-month CD	-	3.65%	9-month	$1,000
Min Deposit $1,000 Min Balance $0 Details Must have a Destination Checking account to open; $1,000 to open and $0.01 minimum balance to obtain APY; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination 12-month CD	-	3.45%	12-month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Requires Destination Checking account to open (footnote 2); Footnote (1): $1000 to open and $1000 minimum balance to obtain APY; Fees may reduce earning on the account; Early withdrawal penalty applies Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination 15-month CD	-	3.30%	15-month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Requires Destination Checking account to open (footnote 2); Footnote (1): $1000 to open and $1000 minimum balance to obtain APY; Fees may reduce earning on the account; Early withdrawal penalty applies Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
33-month CD	-	3.05%	33-month	$1,000
Min Deposit $1,000 Min Balance $0 Details Certificate of Deposit; $1,000 to open and $0.01 minimum balance to obtain APY; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
7-month CD	-	3.00%	7-month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Footnote (1): $1000 to open and $1000 minimum balance to obtain APY; Fees may reduce earning on the account; Early withdrawal penalty applies Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
9-month CD	-	3.00%	9-month	$1,000
Min Deposit $1,000 Min Balance $0 Details Certificate of Deposit; $1,000 to open and $0.01 minimum balance to obtain APY; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
12-month CD	-	2.95%	12-month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Footnote (1): $1000 to open and $1000 minimum balance to obtain APY; Fees may reduce earning on the account; Early withdrawal penalty applies Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
15-month CD	-	2.85%	15-month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Footnote (1): $1000 to open and $1000 minimum balance to obtain APY; Fees may reduce earning on the account; Early withdrawal penalty applies Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
30-Month Fixed Rate	0.40%	0.40%	30 months	-
Min Balance $1,000 Details Minimum Balance to Obtain APY: $1000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
18-Month Fixed Rate	0.20%	0.20%	18 months	-
Min Balance $1,000 Details Minimum Balance to Obtain APY: $1000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Reliance Savings Bank Savings Rates

Product	Rate	APY
Holiday Club	0.25%	0.25%
Min Deposit $2 Min Balance $50 Details Balance to obtain APY: $50; Account matures the first weekend after October 3 each year; term varies by open date; early withdrawals result in loss of interest Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Vacation Club	0.25%	0.25%
Min Deposit $2 Min Balance $50 Details Balance to obtain APY: $50; Account matures the first weekend after April 3 each year; term varies by open date; early withdrawals result in loss of interest Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Young Savers	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Balance to obtain APY: $5 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Statement Savings	0.15%	0.15%
Min Balance $2,500 Details Balance to obtain APY: $2,500 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100 Details Balance to obtain APY: $100 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Reliance Savings Bank Money Market Rates

Product	Rate	APY
Destination Money Market	3.63%	3.70%
Min Deposit $5,000 Min Balance $500,000 Details Balance: $500,000+; Must have a Destination Checking account to open; $10 fee applied if account balance is below $5,000 at any point during qualification cycle Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination Money Market	3.44%	3.50%
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000-$499,999; Must have a Destination Checking account to open; $10 fee applied if account balance is below $5,000 at any point during qualification cycle Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination Money Market	2.86%	2.90%
Min Deposit $5,000 Min Balance $15,000 Details Balance: $15,000-$24,999; Must have a Destination Checking account to open; $10 fee applied if account balance is below $5,000 at any point during qualification cycle Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination Money Market	2.86%	2.90%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000-$249,999; Must have a Destination Checking account to open; $10 fee applied if account balance is below $5,000 at any point during qualification cycle Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination Money Market	1.98%	2.00%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000-$14,999; Must have a Destination Checking account to open; $10 fee applied if account balance is below $5,000 at any point during qualification cycle Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Deposit Account	1.10%	1.10%
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000+; Rates subject to change after account opened; APY effective date June 25, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Deposit Account	1.00%	1.00%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000-$999,999; Rates subject to change after account opened; APY effective date June 25, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Deposit Account	0.75%	0.75%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$249,999; Rates subject to change after account opened; APY effective date June 25, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Deposit Account	0.75%	0.75%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000-$499,999; Rates subject to change after account opened; APY effective date June 25, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Deposit Account	0.50%	0.50%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999; Rates subject to change after account opened; APY effective date June 25, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Deposit Account	0.35%	0.35%
Min Deposit $500 Min Balance $15,000 Details Balance: $15,000-$49,999; Rates subject to change after account opened; APY effective date June 25, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination Money Market	0.07%	0.10%
Min Deposit $5,000 Min Balance $50 Details Balance: $50-$4,999; Must have a Destination Checking account to open; $10 fee applied if account balance is below $5,000 at any point during qualification cycle Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Deposit Account	0.10%	0.10%
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000-$14,999; Rates subject to change after account opened; APY effective date June 25, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Deposit Account	0.05%	0.05%
Min Deposit $500 Min Balance $0 Details Balance: $.01-$4,999; Rates subject to change after account opened; APY effective date June 25, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination Money Market	0.03%	0.03%
Min Deposit $5,000 Min Balance $0 Details Balance: $0.01-$49; Must have a Destination Checking account to open; $10 fee applied if account balance is below $5,000 at any point during qualification cycle Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Reliance Savings Bank Checking Rates

Product	Rate	APY
Estate Checking Account	0.30%	0.30%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 and over; Minimum balance to obtain APY: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination Checking	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Minimum balance to obtain APY: $0.01; Contact Us Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Estate Checking Account	0.25%	0.25%
Min Deposit $0 Min Balance $35,000 Details Balance: $35,000 and over; Minimum balance to obtain APY: $35,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Estate Checking Account	0.20%	0.20%
Min Deposit $0 Min Balance $0 Details Minimum balance to obtain APY: $0.01 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Destination Checking	0.10%	0.10%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.00 and over; Minimum balance to obtain APY: $25,000.00 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Reliance Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Installment Loan - 5-Year Fixed	5.99%	-	6.04%	5 years
Details Owner-occupied home equity financing; maximum Loan to Value 89%; based on $97,000 loan amount; monthly payments deducted from a Reliance Bank deposit account; rates current as of October 1, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Equity Installment Loan - 10-Year Fixed	6.05%	-	6.069%	10 years
Details Owner-occupied home equity financing; maximum Loan to Value 89%; based on $97,000 loan amount; monthly payments deducted from a Reliance Bank deposit account; rates current as of October 1, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.07% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Equity Installment Loan - 15-Year Fixed	6.25%	-	6.277%	15 years
Details Owner-occupied home equity financing; maximum Loan to Value 89%; based on $97,000 loan amount; monthly payments deducted from a Reliance Bank deposit account; rates current as of October 1, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.28% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Equity Installment Loan - 20-Year Fixed	6.69%	-	6.707%	20 years
Details Owner-occupied home equity financing; maximum Loan to Value 89%; based on $97,000 loan amount; monthly payments deducted from a Reliance Bank deposit account; rates current as of October 1, 2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.71% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Reliance Savings Bank Personal Loan Rates

Product	APR	Term
Unsecured Installment Loan	11.448%	60 months
Details Rates shown are for a loan amount of $11,000. Credit subject to approval. Monthly payments must be deducted from a Reliance Bank deposit account. Rates current as of January 19, 2025. Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 11.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Personal SmartLine Loan	14.00%
Details Unsecured Lines of Credit; APR will be variable and may increase at any time with a maximum of 18.00%; current fully indexed APR is 14.000%; requires monthly payments to be deducted from a Reliance Bank deposit account; annual $20.00 non-activity charge if line is not used Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 14.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

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

Reliance Savings Bank’s Texas Ratio rose from 1.12% in Q3 2023 to 1.69% 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; 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	$649M	1.69%	5.0	A+
March 31, 2026	$663M	1.29%	5.0	A+
December 31, 2025	$674M	2.08%	5.0	A+
September 30, 2025	$648M	4.36%	5.0	A+
June 30, 2025	$641M	4.89%	5.0	A+
March 31, 2025	$652M	8.68%	5.0	A
December 31, 2024	$666M	10.77%	5.0	A
September 30, 2024	$655M	6.44%	5.0	A
June 30, 2024	$639M	6.28%	5.0	A
March 31, 2024	$650M	7.40%	5.0	A
December 31, 2023	$657M	0.85%	5.0	A+
September 30, 2023	$633M	1.12%	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 Reliance Savings 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 Reliance Savings 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 Reliance Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Reliance Savings Bank

Website https://www.reliancebank.com

Address 1300 11th Avenue, Altoona, PA 16601 · Blair

Bank Holding Company RELIANCE BCORP MHC

FDIC Certificate # 30117

Regulator FDIC

Established January 1, 1939

FDIC Insurance Date August 9, 1989

Domestic Offices 9

Total Branches 9

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.69%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.2951%

Return on Equity (ROE)

2.5000%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

$648,920,000

Total Deposits

$511,699,000

Equity Capital

$78,864,000

Net Income

$977,000

Headquarters

Altoona

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Reliance Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Reliance Savings Bank

Does Reliance Savings Bank offer CDs?

Yes. Reliance Savings Bank current CD rates include its Destination 13-month CD at 4.10% APY, its Destination 7-month CD at 3.70% APY and its Destination 9-month CD at 3.65% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Reliance Savings Bank FDIC insured?

Yes. Reliance Savings 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 Reliance Savings Bank?

The highest Reliance Savings Bank CD rate is its Destination 13-month CD at 4.10% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Reliance Savings Bank offer?

Reliance Savings Bank CD rates are 3.70% APY for a 7 month CD, 3.65% APY for a 9 month CD, 3.45% APY for a 12 month CD, 4.10% APY for a 13 month CD, 3.30% APY for a 15 month CD and 0.20% APY for an 18 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Reliance Savings Bank for its full lineup.

What is the highest savings rate at Reliance Savings Bank?

The highest Reliance Savings Bank savings rate is its Statement Savings at 0.15% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Reliance Savings Bank?

The highest Reliance Savings Bank money market rate is its Destination Money Market at 3.70% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Reliance Savings Bank?

The highest Reliance Savings Bank checking rate is its Estate Checking Account at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at Reliance Savings Bank?

The lowest Reliance Savings Bank personal loan rate is its Unsecured Installment Loan at 11.25%, verified by MonitorBankRates as of November 5, 2026.

How many branches does Reliance Savings Bank operate?

Reliance Savings Bank currently maintains approximately 9 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, Reliance Savings 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, Reliance Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Reliance Savings Bank offer online and mobile banking?

Most modern institutions like Reliance Savings 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.reliancebank.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 Reliance Savings Bank rates compare?

Reliance Savings Bank's top CD rate of 4.10% APY on a 13 month CD is 36% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Reliance Savings Bank's top rates are its 13-Months Destination 13-month CD at 4.10% APY, its Statement Savings at 0.15% APY, its Destination Money Market at 3.70% APY, its Estate Checking Account at 0.30% APY and its Unsecured Installment Loan at 11.448% APR, verified by MonitorBankRates on November 5, 2026.

Current Reliance Savings Bank Rates

12-Month CD2.95%
18-Month CD0.20%
Savings0.15%
MMA3.70%

Retrieved from our database of financial products. Rates subject to change.

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Reliance Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Reliance Savings Bank Texas Ratio

Reliance Savings Bank Health Trend

Reliance Savings Bank CD Rates

Reliance Savings Bank Savings Rates

Reliance Savings Bank Money Market Rates

Reliance Savings Bank Checking Rates

Reliance Savings Bank Home Equity & HELOC

Reliance Savings Bank Personal Loan Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Reliance Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Reliance Savings Bank

Does Reliance Savings Bank offer CDs?

Are CDs from Reliance Savings Bank FDIC insured?

What is the highest CD rate at Reliance Savings Bank?

What CD terms does Reliance Savings Bank offer?

What is the highest savings rate at Reliance Savings Bank?

What is the highest money market rate at Reliance Savings Bank?

What is the highest checking rate at Reliance Savings Bank?

What is the lowest personal loan rate at Reliance Savings Bank?

How many branches does Reliance Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Reliance Savings 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 Reliance Savings Bank rates compare?

Current Reliance Savings Bank Rates

Compare to Other Banks