What are the current interest rates at Exchange Bank of Alabama?

Current rates for Exchange Bank of Alabama include: Savings: 0.10%

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Exchange Bank of Alabama Rates & Review April 2026

Item: Exchange Bank of Alabama
Rating: 6182
Author: IltB

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 24, 2026

Exchange Bank of Alabama's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Exchange Bank of Alabama with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates were last updated on 04/24/2026.

Exchange Bank of Alabama 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 Exchange Bank of Alabama? Share your experience about Exchange Bank of Alabama by leaving a review below, or read customer reviews before you decide to use Exchange Bank of Alabama.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.02%

Excellent Lower than avg

Exchange Bank of Alabama

7170 6th Ave
Altoona, AL 35952

https://www.exba.com

Exchange Bank of Alabama Savings Rates

Product	Rate	APY	View More
Regular Savings	0.10%	0.10%
No additional details. Last Updated 04/24/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

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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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Exchange Bank of Alabama 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 Exchange Bank of Alabama 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 Exchange Bank of Alabama's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Exchange Bank of Alabama

Bank Holding Company GADSDEN CORP THE

Address 7170 6th Ave, Altoona, AL 35952 · Etowah

Website https://www.exba.com

FDIC Certificate # 54

Established 03/10/1909

FDIC Insurance Date 01/01/1934

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.02%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1090%

Return on Equity (ROE) 11.1500%

Non-Performing Loans (NPL) 0.00%

Total Assets $392,141,000

Total Deposits $336,583,000

Equity Capital $51,671,000

Net Income $4,490,000

Headquarters Altoona

Total Offices 5

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

IltB

★★★★★

December 17, 2025

BLJi

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Exchange Bank of Alabama

Frequently Asked Questions About Exchange Bank of Alabama

Is Exchange Bank of Alabama a safe place to deposit money?

Yes, Exchange Bank of Alabama is considered a safe financial institution. With a Texas Ratio of 0.020095886085034%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Exchange Bank of Alabama operate?

Exchange Bank of Alabama currently maintains approximately 5 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, Exchange Bank of Alabama 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, Exchange Bank of Alabama provides members with tools to manage their accounts and build a solid financial history.

Does Exchange Bank of Alabama offer online and mobile banking?

Most modern institutions like Exchange Bank of Alabama 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.exba.com.