The Juniata Valley Bank is headquartered in Mifflintown and is the 62nd largest bank in the state of Pennsylvania. It is also the 1,184th largest bank in the nation. It was established in 1867 and as of December of 2018, it had grown to 152 employees at 16 locations. The Juniata Valley Bank's money market rates are 3X the national average, and it has an A health rating.
First and Only Bank
Juniata Valley Bank is the first bank and the only bank I have ever had experience in. The first account I had was a growth CD in which my parents opened for me in order to get a head start for savings. After I hit high school, I opened up a checking account because I had started working and driving and needed access to my money. I once lost my debit card and was able to call them and cancel it despite the time of day. I had another debit card sent to my house within a week. I now have a savings account with them and have had no problem taking money out of them or putting money in. Overall the employees are friendly every time I go in to deposit a check or need help opening another account.
Small Town Banking
I understand the need for fees and having a process for addressing customers. But this bank needs to get with the times. If you don't live in the immediate area you will be out of luck. The services offered for the $6/month checking are the same you can find at any other bank and most credit unions for a lower/free cost. When contacting the bank via their own secure messaging service online, the query is not immediately addressed but instead sent to the branch location of origination. The only way to make a check deposit is in person or via mail. The only reason we give two stars for web/mobile is because once able to log in online the system is fairly user friendly. Find yourself a different bank that won't charge you for every little thing. We are fortunate enough to be able to use USAA and will be switching all services to them.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7614 |
| Year Established | 1867 |
| Employees | 152 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.9% |
| Return on Equity - YTD | 9.22% |
| Annual Interest Income | $23.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $624.0MM$586.3MM |
| Loans | Q4 2018vs Q4 2017 | $414.6MM$381.0MM |
| Deposits | Q4 2018vs Q4 2017 | $521.8MM$478.7MM |
| Equity Capital | Q4 2018vs Q4 2017 | $65.9MM$52.5MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $3.0MM$2.9MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $3.6MM$3.0MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $744.00K$355.00K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
The Juniata Valley Bank Savings Account Rates
The Juniata Valley Bank Money Market Rates
The Juniata Valley Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.10% | $1k | - | Non-Personal Interest Checking | ||
| 0.10%* | $20k* | - | idLOCK Interest Checking | ||
| OTHER TIERS: 0.05% → $2.5k - $20k | |||||
| 0.10% | $25k | - | idLOCK PLUS Checking | ||
