☰

Home›
Banks›
Armstrong County Building and Loan Association

iAdvertiser Disclosure

Armstrong County Building and Loan Association Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Armstrong County Building and Loan Association 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: August 30, 2026

Armstrong County Building and Loan Association rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Armstrong County Building and Loan Association, and you can see how they compare in the Armstrong County Building and Loan Association rate tables below. MonitorBankRates evaluates the financial stability of Armstrong County Building and Loan Association with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.51%. Database rates last updated and verified on 08/30/2026.

Armstrong County Building and Loan Association 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 Armstrong County Building and Loan Association? Share your experience about Armstrong County Building and Loan Association by leaving a review below, or read customer reviews before you decide to use Armstrong County Building and Loan Association.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.51%

Excellent Lower than avg

Armstrong County Building and Loan Association

935 5th Ave
Ford City, PA 16226

https://www.acbla.com

Armstrong County Building and Loan Association Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgages - 10 Year Loan	5.25%	-	5.53%	10 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Fixed Rate Mortgages - 15 Year Loan	5.50%	-	5.70%	15 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Fixed Rate Mortgages - 20 Year Loan	6.00%	-	6.16%	20 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Adjustable Rate Mortgages - 3/3 ARM	5.50%	-	6.32%	30 Year Loan
Details Fully Indexed Rate**: 6.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Fixed Rate Mortgages - 30 Year Loan	6.25%	-	6.37%	30 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Adjustable Rate Mortgages	5.50%	-	6.50%	30 year
Details Interest rate and Annual Percentage Rate (APR) are subject to change and may vary based on the credit worthiness of the borrower, loan-to-value ratio, loan amount and loan purpose. The APR displayed assumes a 30 year home mortgage of $100,000 with a loan to value ratio (LTV) of 90%, and 30 days prepaid interest. An initial interest rate of 5.50% for the first 3 years and the fully indexed rate of 6.50% for the remaining 27 years. Prepaid finance charges, which are used in the calculation of the APR, are estimated (these include Origination Fee of $600, and Title - Closing Fee of $200). You will incur additional closing costs. Fully Indexed Rate is the estimated interest rate after the discount period based on the current index and margin explained below. The actual interest rate may be higher when the Initial Rate expires. The interest rate will adjust every 36 months. In the 4th year, the new interest rate will be based on an index (the weekly average yield for U.S. Treasury Securities adjusted to a constant maturity of one year rounded to the nearest one quarter percent), plus a margin of 2.500%. The adjustment is limited to an increase of 2 percentage points each adjustment period. The interest rate cannot decrease to less than 3.000%. For example, for every $1,000 borrowed at the initial interest rate of 5.50% there will be 36 fixed payments (Years 1-3) of $5.68. During the next 36 payments (Years 4-6), the maximum amount that the interest rate can increase is 2 percentage points above previous rate or 7.50% at a maximum payment of $7.21. During the next 36 payments (Years 7-9), the maximum amount that the interest rate can increase is 2 percentage points above previous rate or 9.50% at a maximum payment of $8.83. During the final 252 payments (Years 10-30) the maximum amount that the interest rate can increase to is 11.50% at a maximum payment of $10.54. These payments do not include tax escrow or insurance payments. Property insurance is required. Flood Insurance may be required if applicable. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

Armstrong County Building and Loan Association Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.00%	5 Years
Details Rate: Prime Rate Minus 0.75% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Home Equity Line of Credit	-	-	18.00%
Details Interest rate and Annual Percentage Rate (APR) are subject to change without notice and may vary based on the credit worthiness of the borrower, loan to value ratio, loan amount and loan purpose. Payments based off a $50,000 loan balance with daily interest calculated for 31 days and 1.00% of the outstanding balance. Minimum payment of $50.00 or balance, whichever is less. This is a variable rate line of credit secured by a one-to-four family, owner-occupied property only. The variable annual percentage rate (APR) is based on the Wall Street Journal Prime Rate plus/minus a margin. Maximum APR is 18.00%. Minimum APR is 3.25%. Property Insurance is required. Flood Insurance may be required if applicable. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Armstrong County Building and Loan Association 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 Armstrong County Building and Loan Association 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 Armstrong County Building and Loan Association's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Armstrong County Building and Loan Association

FDIC Certificate # 29471

Address 935 5th Ave, Ford City, PA 16226 · Armstrong

Website https://www.acbla.com

Established 01/01/1925

FDIC Insurance Date 08/09/1989

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.51%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.4553%

Return on Equity (ROE) -3.4500%

Non-Performing Loans (NPL) 0.70%

Total Assets $95,470,000

Total Deposits $83,202,000

Equity Capital $11,823,000

Net Income $72,000

Headquarters Ford City

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Armstrong County Building and Loan Association 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/banks/armstrong-county-building-and-loan-association-rates-review-29471">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Armstrong County Building and Loan Association yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Armstrong County Building and Loan Association

Frequently Asked Questions About Armstrong County Building and Loan Association

How many branches does Armstrong County Building and Loan Association operate?

Armstrong County Building and Loan Association currently maintains approximately 1 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, Armstrong County Building and Loan Association 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, Armstrong County Building and Loan Association provides members with tools to manage their accounts and build a solid financial history.

Does Armstrong County Building and Loan Association offer online and mobile banking?

Most modern institutions like Armstrong County Building and Loan Association 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.acbla.com.