Equitable Savings and Loan Association

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

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

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

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 48^th largest bank in the state of Colorado. It is also the 3,310^th 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)

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Not Good For Retirees

Posted by: orsman | Jul 10, 2023

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.

Comment

Can Only Open Account In Person

Posted by: Bank_Customer | Jul 25, 2023

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.

Comment

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	30707
Year Established	1921
Employees	49
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.06%
Return on Equity - YTD	-0.35%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$161.2MM$153.3MM
Loans	Q1 2025vs Q1 2024	$144.7MM$143.2MM
Deposits	Q1 2025vs Q1 2024	$124.6MM$125.8MM
Equity Capital	Q1 2025vs Q1 2024	$26.1MM$26.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$354K$353K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$124K$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$84K

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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

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

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.

Equitable Savings and Loan Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$50	-	Statement Savings

Equitable Savings and Loan Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	201 Main Avenue	Akron, CO 80720

Brush Branches
Brush Branch	300 Clayton Street	Brush, CO 80723

Burlington Branches
Burlington Branch	1420 Lowell Avenue	Burlington, CO 80807

Fort Collins Branches
Fort Collins Branch	300 E Horsetooth Rd Ste 102	Fort Collins, CO 80525

Fort Morgan Branches
Fort Morgan Branch	331 Main Street	Fort Morgan, CO 80701

Julesburg Branches
Julesburg Branch	120 Cedar Street	Julesburg, CO 80737

Limon Branches
Limon Branch	888 Main Street	Limon, CO 80828

Sterling Branches
Equitable Savings and Loan Association	221 N 3rd St	Sterling, CO 80751

Wray Branches
300 Main St Branch	300 Main Street	Wray, CO 80758

Yuma Branches
Yuma Branch	222 S. Main Street	Yuma, CO 80759

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