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Interest Rates

Rates effective as of 06-05-2023 and subject to change. Open An Account

15 Month CD Special effective May 25, 2023 web banner

SPECIAL CD DISCLOSURES: APY=Annual Percentage Yield. 15-month certificate of deposit term with an automatic renewal upon maturity to an 18-month certificate of deposit with applicable rate at time of renewal. 1) 4.25% APY (4.162% interest rate) with a minimum balance requirement of $10,000. 2) 5.50% APY (4.402 interest rate) with a minimum balance requirement of $250,000. Both advertised special APYs and terms are a limited-time promotional offer applicable as of May 25, 2023 and subject to change at any time without notice. A penalty will be imposed for early withdrawal and any withdrawal, including interest, prior to maturity and penalty fees will reduce your earnings. FDIC Insurance up to the maximum allowed by law.

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Certificate Plans – Maryland Residents

Certificate Plan APY Interest Rate Minimum Balance Compounding Method
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
15-Month **Special** 4.25% 4.162 % $10,000 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 Maryland consumer accounts only. For all other customers, please call 800.787.7ESB

For complete account disclosures, please review the applicable Consumer Truth-In-Savings Disclosure or the Business Accounts Disclosure.

Jumbo Certificate of Deposit Rates – Maryland Residents

Jumbo Certificate Plan APY Interest Rate Minimum Balance Compounding Method
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
15-Month **Special** 4.50% 4.402% $250,000 Daily
18-Month 0.15% 0.150 % $100,000 Daily
20-Month **Special** 4.05% 3.970% $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. 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 Maryland consumer accounts only. For all other customers, please call 800.787.7ESB

For complete account disclosures, please review the applicable Consumer Truth-In-Savings Disclosure or the Business Accounts Disclosure.

Special Retirement Plans – Maryland Residents

Special Retirement Plan APY Interest Rate Minimum Balance Compounding Method
18 Months 0.15% 0.150 % $100 Annually

The minimum balance required to open and obtain the stated annual percentage yield (APY) 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. Rates are applicable for Maryland consumer accounts only. For all other customers, please call 800.787.7ESB

*Please click here for the Truth in Savings disclosure.

Checking Account Rates – Maryland Residents

Classic Checking, Club 50 Checking and Premier Checking

APY Interest Rate Minimum Balance Compounding Method
0.15 % 0.150 % $10,000 Daily
0.08 % 0.080 % $5,000 Daily
0.05 % 0.050 % $500 Daily
0.00 % 0.000 % $0.01 Daily

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. See Truth in Savings. Fees may reduce earnings. New checking accounts available for Maryland residents only. Rates are applicable for Maryland consumer accounts only. For all other customers, please call 800.787.7ESB

For complete account disclosures, please review the applicable Consumer Truth-In-Savings Disclosure or the Business Accounts Disclosure.

 

EasternEase Checking & Business Checking

APY Interest Rate Minimum Balance Compounding Method
0.00% 0.00% N/A N/A

The minimum amount required to open an EasternEase checking account is $100. See Truth in Savings for additional information. New checking accounts available for Maryland residents only. Rates are applicable for Maryland consumer accounts only. For all other customers, please call 800.787.7ESB

For complete account disclosures, please review the applicable Consumer Truth-In-Savings Disclosure or the Business Accounts Disclosure.

Savings Account Rates – Maryland Residents

Money Market Savings and Retirement Money Market

Minimum Balance APY Interest Rate Compounding Method
$500,000 2.40% 2.372% Daily
$100,000 1.25% 1.242% Daily
$75,000 1.00% 0.995% Daily
$50,000 0.95% 0.946% Daily
$25,000 0.50% 0.499% Daily
$10,000 0.15% 0.150% Daily
$5,000 0.10% 0.100% Daily
$1,000 0.08% 0.080% Daily
$500 0.08% 0.080% Daily
$0 0.05% 0.050% 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. See Truth in Savings. Fees may reduce earnings. New savings accounts available for Maryland residents only. Rates are applicable for Maryland consumer accounts only. For all other customers, please call 800.787.7ESB

For complete account disclosures, please review the applicable Consumer Truth-In-Savings Disclosure or the Business Accounts Disclosure.

Certificate Plans – Non-Maryland Residents

Certificate Plan APY Interest Rate Minimum Balance Compounding Method
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
15-Month *Special* 4.25% 4.162% $10,000 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 Non-Maryland consumer accounts only. For all other customers, please call 800.787.7ESB. 

For complete account disclosures, please review the applicable Consumer Truth-In-Savings Disclosure or the Business Accounts Disclosure.

Jumbo Certificate of Deposit Rates – Non-Maryland Residents

Jumbo Certificate Plan APY Interest Rate Minimum Balance Compounding Method
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
15-Month **Special** 4.50% 4.402% $250,000 Daily
18-Month 0.15% 0.150% $100,000 Daily
20-Month **Special** 4.05% 3.970% $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. 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 Non-Maryland consumer accounts only. For all other customers, please call 800.787.7ESB

For complete account disclosures, please review the applicable Consumer Truth-In-Savings Disclosure or the Business Accounts Disclosure.

Special Retirement Plans – Non-Maryland Residents

Special Retirement Plan APY Interest Rate Minimum Balance Compounding Method
18 Months 0.15% 0.150% $100 Annually

The minimum balance required to open and obtain the stated annual percentage yield (APY) 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. Rates are applicable for Non-Maryland consumer accounts only. For all other customers, please call 800.787.7ESB

*Please click here for the Truth in Savings disclosure.