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Equitable Savings and Loan Association


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
Bonus Amount
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.equitable-savings.com
970-522-6522
221 N 3rd St
Sterling, CO 80751-1726

Equitable Savings and Loan Association is headquartered in STERLING and is the 48th largest bank in the state of Colorado. It is also the 3,310th largest bank in the nation. It was established in 1921 and as of March of 2025, it had grown to 49 employees at 10 locations. Equitable Savings and Loan Association's CD rates are 4X the national average, and it has an A health rating.

Reviews (2)

Not Good For Retirees

Posted by: |

I was excited to read the headline features of the Equitable Savings & Loan Association's long-term CDs (up to 5.38% for 10 years with only a 90-day early withdrawal penalty). However, my excitement was quickly extinguished after speaking to a branch manager. I was informed that there are no early partial withdrawal allowances. Furthermore, if you do need to withdrawal your money early, not only will you have to pay the 90-day early withdrawal penalty; you will also only receive an interest rate equal to the Association's current regular savings account rate at the time of withdrawal.

On the positive side, my phone call was quickly answered and I was politely transferred to a manager who patiently explained all of the above - so, kudos for great customer service.

4

Can Only Open Account In Person

Posted by: |

Enticed by their high APY%, I looked into opening a CD with Equitable Savings & Loan Assn. Surprisingly for this day and age, in the most technologically advanced country on Earth, I was tersely told over the phone that an account can only be opened IN PERSON!
Also, no fee disclosures, or terms and conditions for CDs or any other savings account on their poorly-designed website.

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #30707
Year Established1921
Employees49
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.06%
Return on Equity - YTD-0.35%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$161.2MM$153.3MM
LoansQ1 2025vs Q1 2024$144.7MM$143.2MM
DepositsQ1 2025vs Q1 2024$124.6MM$125.8MM
Equity CapitalQ1 2025vs Q1 2024$26.1MM$26.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$354K$353K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$124K$0
Real Estate OwnedQ1 2025vs Q1 2024$0$84K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Equitable Savings and Loan Association Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$50-Statement Savings

Equitable Savings and Loan Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Personal Money Market
OTHER TIERS: 0.02% → $2.5k - $25k | 0.05% → $25k - $50k
0.10%*$50k*-Non-Personal Money Market
OTHER TIERS: 0.02% → $2.5k - $25k | 0.05% → $25k - $50k

Equitable Savings and Loan Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$200-NOW - Personal Checking
0.02%$200-NOW - Non-Personal Checking
0.02%$200-Freedom 55 Checking

Equitable Savings and Loan Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$500-120 Month CD
3.76%$500-60-119 Month CD
3.66%$500-48-59 Month CD
3.56%$10k-36-47 Month Super Saver CD
3.45%$10k-24-35 Month Super Saver CD
3.32%$10k-6-11 Month Super Saver CD
3.30%$10k-12-23 Month Super Saver CD
3.27%$100k-6 Month Jumbo CD
3.25%$100k-12 Month Jumbo CD
2.58%$500-36-47 Month CD
1.46%$500-24-35 Month CD
1.15%$500-12-23 Month CD
0.85%$1k-3-5 Month CD
0.85%$1k-6-11 Month CD
0.85%$100k-3 Month Jumbo CD

Equitable Savings and Loan Association IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$2k-120 Month IRA
3.76%$2k-60 Month IRA
3.66%$2k-48 Month IRA
3.56%$2k-36 Month IRA
3.45%$2k-24 Month IRA
3.32%$2k-6 Month IRA
3.30%$100-18 Month Fixed IRA
3.30%$2k-12 Month IRA
3.30%$100-18 Month Variable IRA
3.30%$100-18 Month Fixed KEOGH IRA
Locations


Cities: Akron, Brush, Burlington, Fort Collins, Fort Morgan, Julesburg, Limon, Sterling, Wray, Yuma

Akron Branches
Akron Branch201 Main AvenueAkron, CO 80720

Brush Branches
Brush Branch300 Clayton StreetBrush, CO 80723

Burlington Branches
Burlington Branch1420 Lowell AvenueBurlington, CO 80807

Fort Collins Branches
Fort Collins Branch300 E Horsetooth Rd Ste 102Fort Collins, CO 80525

Fort Morgan Branches
Fort Morgan Branch331 Main StreetFort Morgan, CO 80701

Julesburg Branches
Julesburg Branch120 Cedar StreetJulesburg, CO 80737

Limon Branches
Limon Branch888 Main StreetLimon, CO 80828

Sterling Branches
Equitable Savings and Loan Association221 N 3rd StSterling, CO 80751

Wray Branches
300 Main St Branch300 Main StreetWray, CO 80758

Yuma Branches
Yuma Branch222 S. Main StreetYuma, CO 80759

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.