APY = Annual Percentage Yield. Rates effective as of August 19, 2025. Fees may reduce earnings.
Certificates of Deposit (CDs)
| Maturity |
Interest Compounded |
Rate | APY |
|---|---|---|---|
|
91 Day* |
Maturity | 3.75% | 3.80% |
|
182 Day - 11 Months* |
Quarterly |
4.00% |
4.06% |
|
12 - 17 Months |
Quarterly |
4.00% |
4.06% |
|
18 - 23 Months* |
Quarterly |
3.80% |
3.86% |
|
24 - 29 Months* |
Quarterly |
3.85% |
3.91% |
|
30 - 35 Months* |
Quarterly |
3.70% |
3.75% |
|
36 - 47 Months* |
Quarterly |
3.70% |
3.75% |
|
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 | 3.80% | 3.85% |
* 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% |
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.
Interest Bearing Checking Account (NOWs)
|
Interest Compounded |
Rate | APY | |
|---|---|---|---|
|
NOW Checking |
Monthly |
0.10% |
0.10% |
Analysis Earnings Credit
|
Interest Compounded |
Rate | |
|---|---|---|
|
$10 Account Analysis |
Reviewed Quarterly |
0.30% |
Interest On Overdrawn Collected Balance-Analysis
|
Interest Compounded |
|
|---|---|
|
Account Analysis |
WSJ Prime + 3% |
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.
