Featured Savings Rates
Featured Accounts

Alma Bank

Popular Accounts at this Bank

0.45%1-year CD1 Year Alma Liquid CD
1.01%2-year CD2 Year CD
2.07%5-year IRA5 Year IRA (Traditional, Roth, SEP, SIMPLE)

Overview / Commentary
28-31 31st Street
Astoria, NY 11102

Alma Bank is headquartered in Astoria and is the 50th largest bank in the state of New York. It is also the 714th largest bank in the nation. It was established in 2007 and as of September of 2016, it had grown to 154 employees at 13 locations. Alma Bank has a B health rating.

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Reviews (4)

Best Community Bank Ever

Posted by: srg | Aug 9, 2012

I went to Alma Bank about two weeks ago to inquire about their accounts because I am fed up with the big banks and all their hidden fees. The staff was so friendly, helpful and very knowledgeable that I didn't need to think or compare it to the community bank across the street. So I opened my checking and savings account right there and then. Everything was explained to me in detail. Within 1 week I received my debit card, my checks and I already started paying my bills online and switched over my direct deposit. Yesterday I went and opened a 2 year CD because the rate is higher than I've seen in a very long time and it beats all other banks. My mom and dad already scheduled an appointment to transfer all their accounts. ALL BECAUSE OF ME, LOVE IT!

Fresh Take On Banking!!!

Posted by: Anonymous | Jul 30, 2012

I went to Alma Bank about two weeks ago and opened a checking account at the 31st street location. Very friendly folks with smiles. Leaving Chase was tough for me considering all the perks of banking with a large institution, but Alma so far has left me content. The atm's accept check deposits and cash deposits, much like Chase did. They have an iphone app, the online banking is decent (it's not Chase online, but it is suffice to view balances). The other perk was the Allpoint access, Alma has only 10 or 11 locations, but the Allpoint network gives me access to so many atm's that are almost everywhere. I can call the toll-free number and get account information to, at least that's what one of the bankers told me. Basically, it does the job and with direct deposit the account is totally free- that's all I want in my bank, something simple.

This Bank SUCKS Do Not Join Them.

Posted by: Ryan2f6i8 | Jul 6, 2012

Alma bank is a worthless small town bank.  I tried to do the right thing and join a small local bank but this bank is worthless.  I have had 3 fruadualtian siituations in 2 years and it takes them over 3 weeks to fix the problem.  They have no idea what is going on with the company that does there debit cards.  You ask questions and you get "I don't know as a answer" when it comes to your money and your accounts.  When I was out of $600 I was told I would get a phone call that day to help ease my concercs and just like EVERY OTHER TIME they never called to tell me.  I alaways have to call back myself and get the info.  Tis is s bank run by idiots. DO NOT BANK WITH ALMA BANK.

The Fine Print

Went today, requires a checking account or Now account with three transactions per month


Health Grade Components

FDIC Certificate #58424
Year Established2007
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.52%
Annual Interest Income$33.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$1.03B$1.05B
LoansQ3 2016vs Q3 2015$904.1MM$855.3MM
DepositsQ3 2016vs Q3 2015$874.3MM$911.7MM
Equity CapitalQ3 2016vs Q3 2015$123.7MM$119.2MM
Loan Loss AllowanceQ3 2016vs Q3 2015$15.9MM$14.1MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$22.2MM$6.0MM
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alma Bank Savings Account Rates

0.65%*$1m*-Premier Personal Savings
OTHER TIERS: 0.45% $10k - $1mm
0.65%*$1m*-Enterprise Savings
OTHER TIERS: 0.45% $10k - $1mm
0.40%$100-Personal Savings
0.40%$1k-Business Savings

Alma Bank Money Market Rates

0.35%*$25k*-Personal Money Market Account
OTHER TIERS: 0.15% $1k - $10k | 0.30% $10k - $25k
0.35%*$25k*-Business Money Market Account
OTHER TIERS: 0.15% $1k - $10k | 0.30% $10k - $25k

Alma Bank Checking Account Rates

0.25%$1k-Premier Plus Checking

Alma Bank CD Rates

2.02%$2,500-5 Year CD
2.02%$2,500-5 Year Business CD
1.51%$2,500-4 Year CD
1.51%$2,500-4 Year Business CD
1.31%$2,500$245k15 Month CD Special
1.31%$2,500$245kBusiness 15 Month CD Special
1.16%$2,500-3 Year CD
1.16%$2,500-Business 3 Year CD
1.01%$2,500-2 Year CD
1.01%$2,500-18 Month CD
1.01%$2,500-Business 18 Month CD
1.01%$2,500-Business 2 Year CD
0.50%$2,500-1 Year CD
0.50%$2,500-Business 1 Year CD
0.50%$2,500-13 Month CD
0.50%$2,500-13 Month Business CD
0.45%$2,500-1 Year Alma Liquid CD
0.45%$2,500-Business 1 Year Liquid CD
0.40%$2,500-9 Month CD
0.40%$2,500-Business 9 Month CD
0.15%$2,500-1 Month CD
0.15%$2,500-3 Month CD
0.15%$2,500-6 Month CD
0.15%$2,500-Business 1 Month CD
0.15%$2,500-Business 3 Month CD
0.15%$2,500-Business 6 Month CD

Alma Bank IRA Rates

2.07%$2,500-5 Year IRA
1.77%$2,500$245k30 Month IRA Promo
1.56%$2,500-4 Year IRA
1.31%$2,500$245k15 Month IRA Promo
1.21%$2,500-3 Year IRA
1.06%$2,500-2 Year IRA
1.06%$2,500-18 Month IRA
0.55%$2,500-1 Year IRA
0.55%$2,500-13 Month IRA
0.45%$2,500-9 Month IRA
0.20%$2,500-1 Month IRA
0.20%$2,500-3 Month IRA
0.20%$2,500-6 Month IRA

Alma Bank has 12 locations. Click to view all Alma Bank locations.