Overview / Commentary
630 Godwin Avenue
Midland Park, NJ 07432

Atlantic Stewardship Bank is headquartered in Midland Park and is the 30th largest bank in the state of New Jersey. It is also the 818th largest bank in the nation. It was established in 1985 and as of December of 2018, it had grown to 133 employees at 12 locations. Atlantic Stewardship Bank's money market rates are 6X the national average, and it has an A health rating.

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Reviews (3)

Great Service With Actual Interest

Posted by: tpld736 | Dec 30, 2011

I have been a Power Checking account customer for 3 years and am very satisfied ASB. In exchange for having to 1) direct deposit my paycheck, 2) make a minimum of 10 debit transactions and 3) accept only electronic statements (i.e., no paper), ASB provides free checking with no minimum balance, full monthly ATM refunds, and interest which is 15x what my former Wachovia/Wells Fargo checking and savings for balances up to $25k.  Also, despite me visiting the branch for an average of 4 times a year, everyone from the Branch Manager to the tellers know who I am.

Downsides include 1) limited branches - if you live in Bergen County, there are plenty, but outside of that not much coverage, 2) $6 for online bill pay (free online banking though), and 3) they are not on the technological cutting edge - if you're looking for ATMs on every corner, smartphone banking apps and deposit by smart phone pictures, you'll be disappointed.

That being said, I earned $600 of interest and was refunded $250 of other bank's ATM fees last year.  I think that's well worth it.

Customer Service

Posted by: Anonymous | Aug 10, 2011

By far the best customer service in the industry. The huge benefit of working with a small local bank!!

You Are Wasting Your Time Filling Out The Online Application

Posted by: Anonymous | Mar 31, 2010

You are wasting your time filling out the online application. A visit toa local branch is required to open the account.


Health Grade Components

FDIC Certificate #26390
Year Established1985
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD10.06%
Annual Interest Income$35.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$952.5MM$924.7MM
LoansQ4 2018vs Q4 2017$725.4MM$702.9MM
DepositsQ4 2018vs Q4 2017$784.2MM$764.6MM
Equity CapitalQ4 2018vs Q4 2017$97.9MM$91.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$7.9MM$8.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.5MM$1.2MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Atlantic Stewardship Bank; we are a rate comparison website and cannot provide official rates or promotions.

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

Atlantic Stewardship Bank Savings Account Rates

0.20%*$15k*-Health Savings Account - Individual
OTHER TIERS: 0.05% $1k - $5k | 0.10% $5k - $15k
0.20%*$15k*-Health Savings Account - Family
OTHER TIERS: 0.05% $1k - $5k | 0.10% $5k - $15k
0.15%-$25kKid's Statement Savings
0.10%-$25kStatement Savings
0.10%$50$25kIRA Variable Rate Savings
0.10%--Business Statement Savings
0.10%--Forever Club

Atlantic Stewardship Bank Money Market Rates

2.43%*-$50kLeading Rate Money Market
OTHER TIERS: 0.20% $50k+
2.43%*-$50kBusiness Leading Rate Money Market
OTHER TIERS: 0.20% $50k+
0.15%*$1m*-Premium Growth Accounts
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $1m
0.15%*$1m*-Business Premium Growth Accounts
OTHER TIERS: 0.05% Up to $50k | 0.07% $50k - $250k | 0.10% $250k - $1m
0.05%$1.5k-Atlantic Money Market Accounts
0.05%$1.5k-Business Atlantic Money Market Accounts.

Atlantic Stewardship Bank Checking Account Rates

0.75%*-$25kPower Rate Checking
OTHER TIERS: 0.20% $25k+
0.15%*$1m*-Genesis NOW Account
OTHER TIERS: 0.05% $2.5k - $50k | 0.10% $50k - $1m
0.10%*$50k*-Interest Bearing Checking
OTHER TIERS: 0.05% $5k - $50k
0.10%*$50k*-Business NOW Account
OTHER TIERS: 0.05% $5k - $50k
0.10%*$50k*-Sterling Club Account
OTHER TIERS: 0.05% Up to $50k

Atlantic Stewardship Bank CD Rates

2.60%$500$220k22 Month Power CD Special
2.60%$500$220kBusiness 22 Month Power CD Special
1.70%$500-60 Month Power CD
1.70%$500-Business 60 Month Power CD
1.51%$500-48 - 59 Month Power CD
1.51%$500-Business 48 - 59 Month Power CD
1.51%$500-30 Month Power CD Special
1.51%$500$220kBusiness 30 Month Power CD Special
1.26%$500-36 - 47 Month Power CD
1.26%$500-Business 36 - 47 Month Power CD
1.11%$500-24 - 35 Month Power CD
1.11%$500-Business 24 - 35 Month Power CD
1.00%$500-18 - 23 Month Power CD
1.00%$500-Business 18 - 23 Month Power CD
0.70%$10k-30 Month Power Flex CD
0.70%$10k$250kBusiness 30 Month Power Flex CD
0.60%$10k-20 Month Power Flex CD
0.60%$10k$250kBusiness 20 Month Power Flex CD
0.50%$500-12 - 17 Month CD
0.50%$500-Business 12 - 17 Month CD
0.20%$500-180 - 364 Day CD
0.20%$500-Business 180 - 364 Day CD
0.10%$500-30 - 89 Day CD
0.10%$500-90 - 179 Day CD
0.10%$500-Business 30 - 89 Day CD
0.10%$500-Business 90 - 179 Day CD

Atlantic Stewardship Bank IRA Rates

2.60%$500$220k22 Month IRA Power Special
1.82%$500-60 Month IRA Power
1.75%$500-30 Month IRA Power Special
1.61%$500-48 - 59 Month IRA Power
1.51%$500-36 - 47 Month IRA Power
1.11%$500-24 - 35 Month IRA Power
1.00%$500-18 - 23 Month IRA Power
0.60%$500-18 - 23 Month IRA
0.50%$500-12 Month IRA
0.20%$500-180 Day IRA


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