Walden Savings Bank

Overview / Commentary
15 Scotts Corners Drive
Montgomery, NY 12549

Walden Savings Bank is headquartered in Montgomery and is the 61st largest bank in the state of New York. It is also the 1,157th largest bank in the nation. It was established in 1872 and as of June of 2022, it had grown to 139 employees at 11 locations. Walden Savings Bank's CD rates are 4X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #15987
Year Established1872
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD7.15%
Annual Interest Income$11.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$833.2MM$801.4MM
LoansQ2 2022vs Q2 2021$467.0MM$447.6MM
DepositsQ2 2022vs Q2 2021$770.5MM$727.7MM
Equity CapitalQ2 2022vs Q2 2021$56.7MM$67.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$5.5MM$5.9MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$798.00K$1.1MM
Real Estate OwnedQ2 2022vs Q2 2021$79.00K$55.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Walden Savings Bank Savings Account Rates

0.50%*$50k*-Advantage Savings
OTHER TIERS: 0.30% $50 - $10k | 0.40% $10k - $50k
0.28%$50-Statement Savings
0.28%$50-Business Statement Savings
0.28%$50-Statement IRA Savings
0.05%$5-School Savings
0.05%$1-Holiday Club Accounts
0.05%$1-Vacation Club Accounts

Walden Savings Bank Money Market Rates

0.45%*$50k*-Money Market
OTHER TIERS: 0.05% $100 - $2.5k | 0.35% $2.5k - $50k
0.45%*$50k*-Business Money Market
OTHER TIERS: 0.05% $100 - $2.5k | 0.35% $2.5k - $50k

Walden Savings Bank Checking Account Rates

0.05%$5k-Advantage Checking
0.05%$5k-College Advantage Checking
0.05%$5k-Super Now Checking
0.05%$5k-Business Super Now Checking

Walden Savings Bank CD Rates

4.56%$10k-7 Month CD - New Money
4.56%$10k-Business 7 Month CD - New Money
4.00%$1k-18 Month CD Special
4.00%$1k-Business 18 Month CD Special
3.50%$1k-12 Month CD Special
3.50%$1k-Business 12 Month CD Special
2.00%$1k-24 Month CD
2.00%$1k-Business 24 Month CD
1.80%$1k-60 Month CD
1.80%$1k-Business 60 Month CD
1.75%$1k-48 Month CD
1.75%$1k-Business 48 Month CD
1.75%$1k-30 Month CD
1.75%$1k-Business 30 Month CD
1.65%$1k-36 Month CD
1.65%$1k-Business 36 Month CD
0.70%$1k-182 Day CD
0.70%$1k-Business 182 Day CD
0.50%$1k-91 Day CD
0.50%$1k-Business 91 Day CD

Walden Savings Bank IRA Rates

4.56%$10k-7 Month IRA - New Money
4.00%$1k-18 Month IRA Special
3.50%$1k-12 Month IRA Special
2.00%$1k-24 Month IRA
1.80%$1k-60 Month IRA
1.75%$1k-48 Month IRA
1.75%$1k-30 Month IRA
1.65%$1k-36 Month IRA
0.70%$1k-182 Day IRA
0.50%$1k-91 Day IRA


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