|
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.
 Walden Savings Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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 and Verified: September 19, 2026
Walden Savings Bank's 11-Month Certificate rates are at 3.65%, 5-Month Certificate rates are at 3.25%, 18-Month Certificate rates are at 2.00%, 12-Month Certificate rates are at 1.90%, 24-Month Certificate rates are at 1.90%. Walden Savings Bank's savings rates are at 0.05%. Walden Savings Bank's money market rates are at 0.05%. Walden Savings Bank's Fixed & Adjustable Rate Mortgage Options - 10/1 ARM rates are at 6.00%, Fixed & Adjustable Rate Mortgage Options - 7/1 ARM rates are at 5.88%, Community Hero 5/5 ARM rates are at 5.25%, First Time Home Buyer 5/5 ARM rates are at 5.38%, Fixed & Adjustable Rate Mortgage Options - 5/1 ARM rates are at 5.75%. MonitorBankRates evaluates the financial stability of Walden Savings Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.97%. Rates last updated and verified on 09/19/2026. Walden 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 Walden Savings Bank? Share your experience about Walden Savings Bank by leaving a review below, or read customer reviews before you decide to use Walden Savings Bank. 
Walden Savings Bank CD Rates
Walden Savings Bank Savings Rates
Walden Savings Bank Money Market Rates
Walden Savings Bank Checking Rates
Walden Savings Bank Mortgage Rates
Walden Savings Bank Home Equity & HELOC
Walden Savings Bank Other Rates
Financial Health HistoryWalden Savings Bank’s Texas Ratio rose from 5.10% in Q3 2023 to 8.97% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.6 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)
Powered by
MonitorBankRates
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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Walden 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 Walden 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 Walden Savings Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Walden Savings Bank
FDIC Certificate #
15987
Address
15 Scotts Corner Dr,
Montgomery, NY 12549 · Orange
Website
https://www.waldensavings.bank
Established
18720401
FDIC Insurance Date
19890809
Domestic Offices
11
Total Branches
11
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 96/100
5.0
Exceptional
Out of 5.0 Stars
8.97%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0067%
Return on Equity (ROE)
10.9400%
Non-Performing Loans (NPL)
0.82%
Total Assets
$1,020,287,000
Total Deposits
$819,580,000
Equity Capital
$93,709,000
Net Income
$4,976,000
Headquarters
Montgomery
Total Branches and Offices
11
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Walden Savings Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Walden Savings Bank
Frequently Asked Questions About Walden Savings BankHow many branches does Walden Savings Bank operate?Walden Savings Bank currently maintains approximately 11 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, Walden 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, Walden Savings Bank provides members with tools to manage their accounts and build a solid financial history. Does Walden Savings Bank offer online and mobile banking?Most modern institutions like Walden 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.waldensavings.bank. Current Walden Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
First Liberty Bank Liberty, TX
Gateway Bank Rison, AR
United Republic Bank
SSB Sutherland, IA
Sumitomo Mitsui Trust Bank U.S.A.
CNB Bank Carlsbad, NM
Citizens State Bank, of Arlington
Old Plank Trail Community Bank
Commercial Bank Parsons, KS
Central State Bank State Center, IA
Kendall Bank
Paramount Bank
North Country Savings Bank
Modern Bank
First State Bank Loomis, NE
Carroll Bank and Trust
Security Bank Laurel, NE
First State B&T Monticello, IL
First Texas Bank Georgetown, TX
First International Bank & Trust
PointBank
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
