CashFlow Connect Business Online Banking DemoInterest Rates effective as of 11-18-2025 and subject to change.
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Consumer Deposit Rates
Consumer Savings Accounts
| APY | RATE | MINIMUM BALANCE | COMPOUNDING FREQUENCY |
|---|---|---|---|
| 0.05% | 0.050% | $0.01 | Daily |
| 0.08% | 0.080% | $500 | Daily |
| 0.08% | 0.080% | $1,000 | Daily |
| 0.10% | 0.100% | $5,000 | Daily |
| 0.15% | 0.150% | $10,000 | Daily |
| 0.50% | 0.499% | $25,000 | Daily |
| 0.95% | 0.946% | $50,000 | Daily |
| 1.00% | 0.995% | $75,000 | Daily |
| 1.25% | 1.242% | $100,000 | Daily |
| 2.40% | 2.372% | $500,000 | Daily |
The minimum amount required to open a savings account is $100. Annual Percentage Yield (APY) may change after account opening. Average monthly balance avoids monthly fee. Fees may reduce earnings. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Consumer Checking Accounts
| APY | RATE | MINIMUM BALANCE | COMPOUNDING FREQUENCY |
|---|---|---|---|
| 0.00% | 0.000% | $0.01 | Daily |
| 0.05% | 0.050% | $500 | Daily |
| 0.08% | 0.080% | $5,000 | Daily |
| 0.15% | 0.150% | $10,000 | Daily |
| Interest rates applicable to balances maintained in Classic Checking, Club 50 Checking, and Premier Checking accounts. | |||
The minimum amount required to open a Classic and/or Club 50 checking account is $100. The minimum amount required to open a Premier checking account is $250. Annual Percentage Yield (APY) may change after account opening. Average monthly balance avoids monthly fee. Fees may reduce earnings. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Consumer Certificate (CD) Rates
| CD TERM | APY | RATE | MINIMUM DEPOSIT | COMPOUNDING FREQUENCY |
|---|---|---|---|---|
| 3-Month | 0.05% | 0.050% | $1,000 | Daily |
| 6-Month | 0.07% | 0.070% | $1,000 | Daily |
| 12-Month | 0.15% | 0.150% | $1,000 | Daily |
| 18-Month | 0.15% | 0.150% | $1,000 | Daily |
| 24-Month | 0.20% | 0.200% | $1,000 | Monthly |
| 30-Month | 0.20% | 0.200% | $1,000 | Monthly |
| 36-Month | 0.25% | 0.250% | $1,000 | Monthly |
| 48-Month | 0.35% | 0.349% | $1,000 | Monthly |
| 60-Month | 0.40% | 0.399% | $1,000 | Monthly |
| Special Retirement Account | ||||
| 18-Month IRA | 0.15% | 0.150% | $100 | Annually |
The minimum balance required to open and obtain the stated annual percentage yield (APY) is $1,000, unless otherwise noted on special CDs. The minimum balance required to open and obtain the stated annual percentage yield (APY) for the Special Retirement IRA is $100.The rate is fixed for the term of the certificate. An early withdrawal penalty may be imposed. Rates are subject to change without notice. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Consumer Jumbo Certificate (CD) Rates
| CD TERM | APY | RATE | MINIMUM DEPOSIT | COMPOUNDING FREQUENCY |
|---|---|---|---|---|
| 3-Month | 0.05% | 0.050% | $100,000 | Daily |
| 6-Month | 0.07% | 0.070% | $100,000 | Daily |
| 12-Month | 0.15% | 0.150% | $100,000 | Daily |
| 18-Month | 0.15% | 0.150% | $100,000 | Daily |
| 24-Month | 0.20% | 0.200% | $100,000 | Monthly |
| 30-Month | 0.20% | 0.200% | $100,000 | Monthly |
| 36-Month | 0.25% | 0.250% | $100,000 | Monthly |
| 48-Month | 0.35% | 0.349% | $100,000 | Monthly |
| 60-Month | 0.40% | 0.399% | $100,000 | Monthly |
The minimum balance required to open and obtain the stated annual percentage yield (APY) is $100,000, unless otherwise noted on special CDs. The rate is fixed for the term of the certificate. An early withdrawal penalty may be imposed. Rates are subject to change without notice. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Business Deposit Rates
Business Savings Accounts
| APY | RATE | MINIMUM BALANCE | COMPOUNDING FREQUENCY |
|---|---|---|---|
| 0.15% | 0.150% | $100 | Daily |
The minimum amount required to open a savings account is $100. Annual Percentage Yield (APY) may change after account opening. Average monthly balance avoids monthly fee. Fees may reduce earnings. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Business Money Market Savings Accounts
| APY | RATE | MINIMUM BALANCE | COMPOUNDING FREQUENCY |
|---|---|---|---|
| 0.05% | 0.050% | $500 | Daily |
| 0.10% | 0.100% | $2,500 | Daily |
| 0.20% | 0.200% | $10,000 | Daily |
| 0.45% | 0.449% | $25,000 | Daily |
| 0.85% | 0.846% | $50,000 | Daily |
| 1.05% | 1.045% | $75,000 | Daily |
| 1.10% | 1.094% | $100,000 | Daily |
| 1.50% | 1.489% | $500,000 | Daily |
| 2.90% | 2.859% | $1,000,000 | Daily |
The minimum amount required to open a savings account is $100. Annual Percentage Yield (APY) may change after account opening. Average monthly balance avoids monthly fee. Fees may reduce earnings. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Business Checking Accounts
| APY | RATE | MINIMUM BALANCE | COMPOUNDING FREQUENCY |
|---|---|---|---|
| 0.05% | 0.050% | $500 | Daily |
| 0.05% | 0.050% | $1,500 | Daily |
| 0.10% | 0.100% | $5,000 | Daily |
| 0.15% | 0.150% | $25,000 | Daily |
| 0.20% | 0.200% | $50,000 | Daily |
| 0.25% | 0.250% | $75,000 | Daily |
| 0.50% | 0.499% | $100,000 | Daily |
| 1.00% | 0.995% | $500,000 | Daily |
| Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts. | |||
The minimum amount required to open a Business Premier Checking is $500. The minimum amount required to open a Business Checking, Community Checking, and/or Community Checking Trust account is $100. Annual Percentage Yield (APY) may change after account opening. Average monthly balance avoids monthly fee. Fees may reduce earnings. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Business Certificate (CD) Rates
| CD TERM | APY | RATE | MINIMUM DEPOSIT | COMPOUNDING FREQUENCY |
|---|---|---|---|---|
| 3-Month | 0.05% | 0.050% | $1,000 | Daily |
| 6-Month | 0.07% | 0.070% | $1,000 | Daily |
| 12-Month | 0.15% | 0.150% | $1,000 | Daily |
| 18-Month | 0.15% | 0.150% | $1,000 | Daily |
| 24-Month | 0.20% | 0.200% | $1,000 | Monthly |
| 30-Month | 0.20% | 0.200% | $1,000 | Monthly |
| 36-Month | 0.25% | 0.250% | $1,000 | Monthly |
| 48-Month | 0.35% | 0.349% | $1,000 | Monthly |
| 60-Month | 0.40% | 0.399% | $1,000 | Monthly |
The minimum balance required to open and obtain the stated annual percentage yield (APY) is $1,000, unless otherwise noted on special CDs. The rate is fixed for the term of the certificate. An early withdrawal penalty may be imposed. Rates are subject to change without notice. Rates are applicable for business accounts only. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Business Jumbo Certificate (CD) Rates
| CD TERM | APY | RATE | MINIMUM DEPOSIT | COMPOUNDING FREQUENCY |
|---|---|---|---|---|
| 3-Month | 0.05% | 0.050% | $100,000 | Daily |
| 6-Month | 0.07% | 0.070% | $100,000 | Daily |
| 12-Month | 0.15% | 0.150% | $100,000 | Daily |
| 18-Month | 0.15% | 0.150% | $100,000 | Daily |
| 24-Month | 0.20% | 0.200% | $100,000 | Monthly |
| 30-Month | 0.20% | 0.200% | $100,000 | Monthly |
| 36-Month | 0.25% | 0.250% | $100,000 | Monthly |
| 48-Month | 0.35% | 0.349% | $100,000 | Monthly |
| 60-Month | 0.40% | 0.399% | $100,000 | Monthly |
The minimum balance required to open and obtain the stated annual percentage yield (APY) is $100,000, unless otherwise noted on special CDs. The rate is fixed for the term of the certificate. An early withdrawal penalty may be imposed. Rates are subject to change without notice. Rates are applicable for business accounts only. For assistance and more information, please call 800.787.7ESB. For complete account disclosures, consult a representative.