Bank · FDIC insured
Walden Savings Bank Savings Rates
Walden Savings Bank’s best savings rate is 0.40% APY on $10,000, with its Advantage Savings Account. Rates checked October 16, 2026.
How Walden Savings Bank’s savings rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Walden Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Walden Savings Bank
0.40%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $40
Advantage Savings Account
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
International Bank of Chicago
3.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $320
Walden Savings Bank savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Walden Savings Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Deposit Account
0.35%APY
Interest is compounded and credited monthly. Interest is paid on tiered balances. Interest accrued but not credited at withdrawal is forfeited.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,499 | 0.05% | — |
| $2,500 – $49,999 | 0.35% | $35 |
| $50,000 and up | 0.50% | — |
Advantage Savings Account
0.40%APY
Tiered savings account. Monthly service fee of $5.00 is waived with an average monthly balance of $100.00. Interest is compounded and credited monthly; accrued uncredited interest is forfeited upon withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Monthly service fee of $5.00 waived by maintaining a $100.00 average monthly balance. | 0.30% | — | Monthly service fee of $5.00 waived by maintaining a $100.00 average monthly balance. |
| $10,000 – $49,999Monthly service fee of $5.00 waived by maintaining a $100.00 average monthly balance. | 0.40% | $40 | Monthly service fee of $5.00 waived by maintaining a $100.00 average monthly balance. |
| $50,000 and upMonthly service fee of $5.00 waived by maintaining a $100.00 average monthly balance. | 0.50% | — | Monthly service fee of $5.00 waived by maintaining a $100.00 average monthly balance. |
Sources (3)
- waldensavings.bank/personal-ba…ng/savings-club-accounts
- waldensavings.bank/rates/deposit-rates
- waldensavings.bank/schedule-of-fees
All captured Sep 17, 2026
Special-purpose accounts
Statement Savings Account
0.30%APY
Available to open online and as an IRA (Traditional, Roth, Coverdell). Monthly service fee of $5.00 is waived by maintaining an average monthly balance of $100.00. Interest is compounded and credited monthly; accrued uncredited interest is forfeited upon withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMonthly fee of $5.00 waived with $100.00 average monthly balance. Minimum balance to obtain APY is $50.00.$50 and up | 0.30% | $30 | Monthly fee of $5.00 waived with $100.00 average monthly balance. Minimum balance to obtain APY is $50.00. |
Holiday Club Savings Account
0.05%APY
Club payouts are mailed out each fall or can be transferred directly to another Walden Savings Bank account. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upPayouts distributed each year in the fall.$1 and up | 0.05% | $5 | Payouts distributed each year in the fall. |
Sources (2)
All captured Sep 17, 2026
School Savings
0.05%APY
Available to students from elementary school through high school. Accounts may be opened at participating school banks or branch locations. Automatically converts to a Statement Savings Account at age 18. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to obtain APY is $5.00.$5 and up | 0.05% | $5 | Minimum balance to obtain APY is $5.00. |
Sources (2)
All captured Sep 17, 2026
Vacation Club Savings
0.05%APY
Club payouts are mailed out each spring or can be transferred to another Walden Savings Bank account. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upPayouts distributed each year in the spring.$1 and up | 0.05% | $5 | Payouts distributed each year in the spring. |
Sources (2)
All captured Sep 17, 2026
Closed to new customers
Passbook Savings
0.05%APY
For informational purposes only; new passbook accounts are no longer offered.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upNew passbook accounts no longer offered.$50 and up | 0.05% | $5 | New passbook accounts no longer offered. |
Sources (1)
- waldensavings.bank/rates/deposit-rates · captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.