Armstrong County Building and Loan Association savings and CD rates
Armstrong County Building and Loan Association advertises up to 2.20% APY on its Statement Plus account. The 2.20% applies to balances of $100,000 or more, up to $249,999.99. Below $100,000, the account advertises 0.75%. A balance above $249,999.99 earns 0.75% on the whole amount.
On a $10,000 balance the account earns 0.75% overall, about $75 in a year, which is 0.38 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #428 of 2865 tracked savings rates by advertised APY. For a $10,000 balance it would rank #647.
Estimate your earnings·What Armstrong County Building and Loan Association actually pays
Armstrong County Building and Loan Association at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 2.20% · Statement Plus · balances of $100,000 to $249,999.99 only |
| Minimum to open | $500 · Statement Plus |
| Against the national average | 1.83 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.10% · 36-48 months · 3 - 4 Year CD |
| Minimum to open | $500 · 36-48 months CD |
| Against the national average | 2.74 percentage points above the 1.36% FDIC 36-month CD average (Sep 2026) |
| FDIC certificate | 29471 · Ford City, PA |
|---|---|
| Website | www.acbla.com |
| Branches | 1 branch in PA |
| Availability | Available in PA |
Armstrong County Building and Loan Association savings and CD rates
Personal
How the rate applies
IRA
Education savings
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Armstrong County Building and Loan Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 6 months | 3.70% | $2,500 | 6 Month CD |
| 12 months | 2.00% | $500 | 1 Year CD |
| 12 months | 3.85% | $500 | 12 Month CD Special (New Accounts Only) |
| 18-24 months | 4.00% | $500 | 18 - 24 Month CD |
| 36-48 months | 4.10% | $500 | 3 - 4 Year CD |
| 72 months | 3.00% | $500 | 6 Year CD |
| 96-120 months | 3.25% | $500 | 8 - 10 Year CD |
| IRA CDs | |||
| 18 months | 3.75% | not stated | Traditional IRA Certificate |
| 18 months | 3.75% | not stated | SEP IRA Certificate |
| 30 months | 3.75% | not stated | Roth IRA Certificate |
Interactive Tool
Calculate Savings for Armstrong County Building and Loan Association
All calculations are based on APY.
Tiered rates: 0.75% to 2.20% APY across 6 balance tiers.
Savings Breakdown
- Interest Earned+$282.10(2.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,282.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Armstrong County Building and Loan Association pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 2.20% applies to balances of $100,000 or more, up to $249,999.99. Below $100,000, the account advertises 0.75%. A balance above $249,999.99 earns 0.75% on the whole amount.
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Statement Plus | Up to 2.20% | $500 | $0 | $249,999.99 | A minimum balance fee of $7.00 will be imposed every month the balance falls below $500.00, can be waived | not stated | Tiered | |
| Fine print: The account writes no checks. A debit card is issued with it. A $7.00 fee applies in any month the balance falls below $500.00. The top rate tier covers balances from $100,000 to $249,999.99. Balances over $250,000 earn the rate of the lowest tier. | ||||||||
| Regular Passbook | 0.75% | $25 | $0 | None | not stated | not stated | One rate | |
| Christmas Club | 0.75% | $0 | $0 | None | not stated | not stated | One rate | |
| Fine print: The balance is paid out by check each October. No deposits are accepted while the balance is at $10,000. | ||||||||
| Education savings | ||||||||
| Educational IRA Certificate | 3.75% | not stated | $0 | None | not stated | not stated | One rate | |
| Fine print: The interest rate is variable and the bank can change it each quarter. The rate applies to an account opened on or after 1 November 2002. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 6 Month CD | 6 months | 3.70% | $2,500 | not stated | not stated |
| 1 Year CD | 12 months | 2.00% | $500 | not stated | not stated |
| 12 Month CD Special (New Accounts Only) | 12 months | 3.85% | $500 | not stated | not stated |
| Fine print: The account is available to new accounts only. | |||||
| 18 - 24 Month CD | 18-24 months | 4.00% | $500 | not stated | not stated |
| 3 - 4 Year CD | 36-48 months | 4.10% | $500 | not stated | not stated |
| 6 Year CD | 72 months | 3.00% | $500 | not stated | not stated |
| 8 - 10 Year CD | 96-120 months | 3.25% | $500 | not stated | not stated |
| Fine print: The account allows two rate increases during its term. | |||||
| IRA CDs | |||||
| Traditional IRA Certificate | 18 months | 3.75% | not stated | not stated | not stated |
| SEP IRA Certificate | 18 months | 3.75% | not stated | not stated | not stated |
| Roth IRA Certificate | 30 months | 3.75% | not stated | not stated | not stated |
Fine print for 2 CDs above: The account allows one rate increase during its term.
Fine print for 3 CDs above: The interest rate is variable and the bank can change it each quarter. The rate applies to an account opened on or after 1 November 2002.
Opening and using the account
| Availability | Available in PA |
|---|---|
| Footprint | 1 branch in PA |
| Eligibility | not stated |
How Armstrong County Building and Loan Association behaves over time
Every observation of the advertised Statement Plus rate in the last 12 months was 2.20% (observed through Oct 12, 2026). The series includes promotional tiers where one applied.
- 36-48 months CD
- Up 0.10 percentage points from 7 days ago.
- Rate last changed
- Oct 7, 2026(effective date)
$10,000 in Armstrong County Building and Loan Association's Statement Plus earns 0.75% overall at the advertised rates, so it grows to $10,075 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,744 does today. See how the federal funds rate shapes savings rates.
Armstrong County Building and Loan Association CD rates over time
Who is Armstrong County Building and Loan Association?
| Headquarters | Ford City, PA |
|---|---|
| Founded | 1925 |
| Scale | $95M assets · $83M deposits, $83M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 29471 |
| Charter state | Pennsylvania · one of 110 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,677th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 30% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Armstrong County Building and Loan Association pays on deposits above.
Common questions about Armstrong County Building and Loan Association
Is Armstrong County Building and Loan Association FDIC insured?
Yes. Armstrong County Building and Loan Association is FDIC insured under certificate 29471, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Armstrong County Building and Loan Association?
Armstrong County Building and Loan Association requires a minimum deposit of $500 to open its Statement Plus account, as observed on Oct 12, 2026. Check the bank's current terms before you open an account.
Does the 2.20% apply to my whole balance?
The 2.20% applies to balances of $100,000 or more, up to $249,999.99. Below $100,000, the account advertises 0.75%. A balance above $249,999.99 earns 0.75% on the whole amount.
Does Armstrong County Building and Loan Association have branches?
Yes. Armstrong County Building and Loan Association operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
Armstrong County Building and Loan Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Armstrong County Building and Loan Association | 2.20% | not stated | $500 | 1 branch in PA |
| Locality Bank | 2.20% | 3.25% | $100 | 2 branches in FL |
| First Fed Bank | 2.25% | 2.31% | $1 | 14 branches in WA |
| PlainsCapital Bank | 2.15% | 2.81% | not stated | 57 branches in TX |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Armstrong County Building and Loan Association's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Pennsylvania, nearest to Armstrong County Building and Loan Association in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: banks in Pennsylvania.