Supporting Kansas agriculture with flexible loan options.
Whether you need funding for livestock, new equipment, or real estate, our agricultural lenders can tailor loan solutions to meet your needs.
Benefits You’ll Love
- Helps manage costs while maximizing your investment
- Expand operations, upgrade equipment, and more
- Customized lending options that work with your budget
- Available for a range of needs, including:
- Farm equipment and vehicles
- Livestock
- Real estate: purchase, improvements, refinancing
- Facility needs
- Operating expenses
- Customizable lending options
- Competitive rates
- Range of terms
- Local processing for speed and efficiency
- Personal, attentive service
Call one of our team members now for fast pre-qualification:
Craig Bender
VP, Ag/Commercial Loan Officer
NMLS #452782
ESB Financial – Emporia
620-340-9912
Ryan Williams
AVP, Commercial/Ag Loan Officer
NMLS #2036463
ESB Financial – Emporia
620-340-9905
Dylan Kelsheimer
AVP, Loan Officer
NMLS #2386085
ESB Financial – Manhattan
785-539-9909
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Analysis Earnings Credit
| Interest Compounded | Rate | |
|---|---|---|
| $10 Account Analysis | Reviewed Quarterly& | 0.30% |
Business Max
| Tiers | Interest Compounded | Rate | APY |
|---|---|---|---|
| $.01 - $249,999.99 | Monthly | 0.45% | 0.45% |
| $250,000 - $499,999.99 | Monthly | 0.50% | 0.50% |
| $500,000 - $999,999.99 | Monthly | 0.60% | 0.60% |
| $1,000,000.00 - OVER | Monthly | 0.70% | 0.70% |
At our discretion, ESB may change the interest rate on any of these tiers listed above.
Certificates of Deposit (CDs)
| Maturity | Interest Compounded | Rate | APY |
|---|---|---|---|
| 91 Day* | Maturity | 3.65% | 3.70% |
| 182 Day - 11 Months* | Quarterly | 3.75% | 3.80% |
| 12 - 17 Months | Quarterly | 3.60% | 3.65% |
| 18 - 23 Months* | Quarterly | 3.60% | 3.65% |
| 24 - 29 Months* | Quarterly | 3.55% | 3.60% |
| 30 - 35 Months*& | Quarterly | 3.60% | 3.65% |
| 36 - 47 Months* | Quarterly | 3.65% | 3.70% |
| 48 Months* | Quarterly | 3.70% | 3.75% |
| 60 Months*/*** | Quarterly | 3.70% | 3.75% |
| 48 Month Adjustable Rate IRA** | Quarterly | 3.70% | 3.75% |
| 18 Month Variable IRA ($25 minimum deposit) | Quarterly with rates adjusted quarterly | 3.60% | 3.65% |
* Certificates of Deposit and IRAs only
** IRA holders age 59.5 and older can request a rate bump once every 6 months
*** New Roth IRA Certificates of Deposit only
If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.
Companion CD Accounts
| Maturity | Interest Compounded | Rate | APY |
|---|---|---|---|
| 36 Months | Quarterly | 3.60% | 3.65% |
| 60 Months | Quarterly | 3.65% | 3.70% |
Interest Bearing Checking Account (NOWs)
| Interest Compounded | Rate | APY | |
|---|---|---|---|
| NOW Checking | Monthly | 0.10% | 0.10% |
Interest On Overdrawn Collected Balance-Analysis
| Interest Compounded | |
|---|---|
| Account Analysis | WSJ Prime + 3% |
Kasasa Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $20,000 | $300 | 4.93% | 5.04% |
| $20,000+ | $300 | 0.54% | 5.04% to 0.54% |
| All balances if qualifications not met | $300 | 0.05% | 0.05% |
Qualifications:
- At least 1 ACH credit or ACH payment transaction
- At least 15 debit card purchases
- Enroll and receive e-statements
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $0 | 1.01% | 1.01% |
| $10,000+ | $0 | 0.15% | 1.01% to 0.15% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications:
- At least 1 ACH credit or ACH payment transaction
- At least 15 debit card purchases
- Enroll and receive e-statements
Money Market Accounts
| Tiers | Compounded | Rate | APY |
|---|---|---|---|
| $.01 - 9,999.99 | Monthly | 0.25% | 0.25% |
| $10,000.00 - 49,999.99 | Monthly | 0.40% | 0.40% |
| $50,000.00 - 149,999.99 | Monthly | 0.45% | 0.45% |
| $150,000.00 - OVER | Monthly | 0.50% | 0.50% |
At our discretion, ESB may change the interest rate on any of these tiers listed above.
Savings, Super Hero, and Christmas Savings Accounts
| Tiers | Compounded | Rate | APY |
|---|---|---|---|
| $.01 - 9,999.99 | Monthly | 0.20% | 0.20% |
| $10,000.00 - 49,999.99 | Monthly | 0.35% | 0.35% |
| $50,000.00 - 149,999.99 | Monthly | 0.40% | 0.40% |
| $150,000.00 - OVER | Monthly | 0.45% | 0.45% |
At our discretion, ESB may change the interest rate on any of these tiers listed above.