Bank · FDIC insured
Wallkill Valley Federal Savings & Loan
A $485M bank headquartered in Wallkill, NY, with 9 branches in New York. Best rates: CDs 3.90% and savings 0.25% APY.
Wallkill Valley Federal Savings & Loan Carrot Score
69
Carrot Score
Higher than 25% of U.S. banks and credit unions
#10 of 20 in Kiryas Joel, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Wallkill Valley Federal Savings & Loan
Founded in 1913, Wallkill Valley Federal Savings and Loan Association is a mutual bank headquartered in Wallkill, New York.
The institution was organized to promote thrift and homeownership by taking local savings deposits and prudently lending them back into the community as home mortgages.
It operates nine full-service branches across Ulster and Orange County following acquisitions of Highland Falls Federal Savings and Loan, Hometown Bank of the Hudson Valley, and Empire State Bank's Newburgh branch.
- Headquarters
- 23 Wallkill Ave, Wallkill, NY 12589
- FDIC certificate
- 28870 ↗
Branches
9 branches in New York
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New York
9 branches
Kiryas Joel area · 7
- Highland Falls Branch252 Main St, Highland Falls, NY 10928Directions
- Maybrook Branch205 Homestead Ave, Maybrook, NY 12543Directions
- Rt 17m & James Rd Branch412 State Highway 17m, Monroe, NY 10950Directions
- Montgomery Branch201 Ward St, Montgomery, NY 12549Directions
- Newburgh Branch68 N Plank Rd, Newburgh, NY 12550Directions
- Otisville Branch16 Sanitorium Ave, Otisville, NY 10963Directions
- Walden Branch12 Main St, Walden, NY 12586Directions
Kingston area · 2
- Wallkill Valley Federal Savings and Loan AssociationMain office23 Wallkill Ave, Wallkill, NY 12589Directions
- Milton Branch1880 Route 9w, Milton, NY 12547Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.17% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.68% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio9.17%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.68%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Wallkill Valley Federal Savings & Loan are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.