Albany Bank and Trust Company National Association

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.albanybank.com

773-267-7300

3400 West Lawrence Avenue
Chicago, IL 60625

Albany Bank and Trust Company National Association is headquartered in CHICAGO and is the 72^nd largest bank in the state of Illinois. It is also the 1,370^th largest bank in the nation. It was established in 1953 and as of March of 2025, it had grown to 64 employees at 4 locations. Albany Bank and Trust Company National Association's money market rates are 5X the national average, and it has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	17230
Year Established	1953
Employees	64
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	2.9%
Annual Interest Income	$8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$705.6MM$708.5MM
Loans	Q1 2025vs Q1 2024	$571.3MM$569.6MM
Deposits	Q1 2025vs Q1 2024	$580.8MM$587.8MM
Equity Capital	Q1 2025vs Q1 2024	$119.3MM$115.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.4MM$5.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$14.4MM$356K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Albany Bank and Trust Company National Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$500	-	Regular Statement
0.35%	$500	-	Senior Statement Savings
0.35%	$1k	-	Business Statement
0.35%	$1	-	Young Savers
0.35%	$100	-	Health Savings Account

Albany Bank and Trust Company National Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$1m^*	-	Money Market Deposit Accounts
OTHER TIERS: 0.65% → $2.5k - $25k \| 1.30% → $25k - $50k \| 1.55% → $50k - $100k \| 1.70% → $100k - $250k \| 1.80% → $250k - $500k \| 1.90% → $500k - $1m
2.00%^*	$1m^*	-	Business Money Market Deposit Accounts
OTHER TIERS: 0.65% → $2.5k - $25k \| 1.30% → $25k - $50k \| 1.55% → $50k - $100k \| 1.70% → $100k - $250k \| 1.80% → $250k - $500k \| 1.90% → $500k - $1m

Albany Bank and Trust Company National Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$1m^*	-	Interest On Lawyer Trust Account (IOLTA)
OTHER TIERS: 0.65% → $2.5k - $25k \| 1.30% → $25k - $50k \| 1.55% → $50k - $100k \| 1.70% → $100k - $250k \| 1.80% → $250k - $500k \| 1.90% → $500k - $1m
0.75%^*	$0	$10k	Personal Interest Checking - Bonus
OTHER TIERS: 0.35% → $10k+
0.75%^*	$0	$25k	Relationship Interest Checking - Bonus
OTHER TIERS: 0.35% → $25k+
0.45%^*	$100k^*	-	Relationship Interest Checking - Standard
OTHER TIERS: 0.35% → $0 - $25k \| 0.40% → $25k - $100k
0.45%^*	$25k^*	-	Senior Interest Checking
OTHER TIERS: 0.35% → $500 - $5k \| 0.40% → $5k - $25k
0.40%^*	$100k^*	-	Business interest Checking
OTHER TIERS: 0.35% → $0 - $100k
0.35%	$0	-	Personal Interest Checking - Standard

Albany Bank and Trust Company National Association CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.95%	$1k	-	7 Month CD Promo
3.95%	$1k	-	Business 7 Month CD Promo
3.75%	$1k	-	11 Month CD Promo
3.75%	$1k	-	Business 11 Month CD Promo
1.60%	$5k	-	5 Year CD
1.60%	$5k	-	Business 5 Year CD
1.55%	$5k	-	2 1/2 Year CD
1.55%	$5k	-	Business 2 1/2 Year CD
1.35%	$5k	-	1 Year CD
1.35%	$5k	-	Business 1 Year CD
1.00%	$5k	-	182 Day CD
1.00%	$5k	-	Business 182 Day CD
0.75%	$5k	-	91 Day CD
0.75%	$5k	-	Business 91 Day CD
0.55%	$5k	-	31 Day CD
0.55%	$5k	-	Business 31 Day CD

Albany Bank and Trust Company National Association IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.95%	$500	-	7 Month Fixed Rate IRA Promo
3.95%	$500	-	7 Month Fixed Rate Roth IRA Promo
3.95%	$500	-	7 Months Fixed Educational IRA Promo
3.75%	$500	-	11 Month Fixed Rate IRA Promo
3.75%	$500	-	11 Month Fixed Rate Roth IRA Promo
3.75%	$500	-	11 Months Fixed Educational IRA Promo
1.55%	$500	-	30 Month Fixed Rate IRA
1.55%	$500	-	30 Month Fixed Rate Roth IRA
1.50%	$500	-	18 Month Fixed Rate IRA
1.50%	$500	-	18 Month Floating Rate IRA
1.50%	$500	-	18 Months Floating Educational IRA
1.50%	$500	-	18 Month Fixed Rate Roth IRA
1.50%	$500	-	18 Month Floating Rate Roth IRA
1.35%	$500	-	12 Month Fixed Rate IRA
1.35%	$500	-	12 Months Fixed Educational IRA
1.35%	$500	-	12 Month Fixed Rate Roth IRA

Locations

Albany Bank and Trust Company National Association Locations
Albany Bank and Trust Company National Association	3400 W Lawrence Ave	Chicago, IL 60625
West Lawrence Avenue Branch	4100 West Lawrence Avenue	Chicago, IL 60630
Albank East Branch	4400 N Western Ave	Chicago, IL 60625
Albank North Branch	7515 Skokie Boulevard	Skokie, IL 60077

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