What are the current interest rates at Albany B&T Co. N.A.?

Current rates for Albany B&T Co. N.A. include: 12-Month CD: 1.35%, 18-Month CD: 1.50%, 24-Month CD: 1.55%, 60-Month CD: 1.60%

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Albany B&T Co. N.A. Rates & Review September 2026

Q: How many branches does Albany B&T Co. N.A. operate?

Albany B&T Co. N.A. currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Albany B&T Co. N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Albany B&T Co. N.A. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 5, 2026

Albany B&T Co. N.A.'s 7-Month Promo rates are at 3.70%, 11-Month Promo rates are at 3.50%, 5 Years 5 Year Certificate rates are at 1.60%, 2 1/2 Years rates are at 1.55%, 30-Months 30-Month rates are at 1.55%. MonitorBankRates evaluates the financial stability of Albany B&T Co. N.A. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.96%. Rates last updated and verified on 09/05/2026.

Albany B&T Co. N.A. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Albany B&T Co. N.A.? Share your experience about Albany B&T Co. N.A. by leaving a review below, or read customer reviews before you decide to use Albany B&T Co. N.A..

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.96%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Albany B&T Co. N.A.

3400 W Lawrence Ave
Chicago, IL 60625

https://www.albanybank.com

Albany B&T Co. N.A. CD Rates

Product	Rate	APY	Term
7 Month Promo	3.67%	3.70%	7 Month
Min Balance $1,000 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%
11 Month Promo	3.50%	3.50%	11 Month
Min Balance $1,000 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%
5 Year Certificate	1.60%	1.60%	5 Years
Min Balance $5,000 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%
2 1/2 Years	1.55%	1.55%	2 1/2 Years
Min Balance $5,000 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%
30 month	1.55%	1.55%	30 Months
Min Balance $500 Details Fixed Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%
18 month	1.50%	1.50%	18 Months
Min Balance $500 Details Floating Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%
1 Year Certificate	1.35%	1.35%	1 Year
Min Balance $5,000 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%
12 month	1.35%	1.35%	12 Months
Min Balance $500 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%

Albany B&T Co. N.A. Savings Rates

Product	Rate	APY	View More
Young Savers Statement	0.35%	0.35%
Min Balance $1 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.96%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Albany B&T Co. N.A.’s Texas Ratio rose from 0.31% in Q3 2023 to 4.96% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a bank must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$722M	4.96%	5.0	A+
March 31, 2026	$729M	5.00%	5.0	A+
December 31, 2025	$730M	8.37%	5.0	A
September 30, 2025	$727M	8.42%	5.0	A
June 30, 2025	$712M	8.79%	5.0	A
March 31, 2025	$706M	12.10%	5.0	A
December 31, 2024	$712M	0.30%	5.0	A+
September 30, 2024	$704M	0.30%	5.0	A+
June 30, 2024	$711M	0.31%	5.0	A+
March 31, 2024	$709M	0.31%	5.0	A+
December 31, 2023	$742M	0.31%	5.0	A+
September 30, 2023	$719M	0.31%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Albany B&T Co. N.A. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Albany B&T Co. N.A. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Albany B&T Co. N.A.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Albany B&T Co. N.A.

Bank Holding Company ALBANK CORP

Address 3400 W Lawrence Ave, Chicago, IL 60625 · Cook

Website https://www.albanybank.com

FDIC Certificate # 17230

Established 19530627

FDIC Insurance Date 19530627

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.96%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7861%

Return on Equity (ROE) 4.6300%

Non-Performing Loans (NPL) 0.85%

Total Assets $721,796,000

Total Deposits $591,105,000

Equity Capital $124,374,000

Net Income $2,857,000

Headquarters Chicago

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Albany B&T Co. N.A. earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Albany B&T Co. N.A.

How many branches does Albany B&T Co. N.A. operate?

Albany B&T Co. N.A. currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Albany B&T Co. N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Albany B&T Co. N.A. provides members with tools to manage their accounts and build a solid financial history.

Does Albany B&T Co. N.A. offer online and mobile banking?

Most modern institutions like Albany B&T Co. N.A. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.albanybank.com.