CashFlow Connect Business Online Banking DemoInterest Rates effective as of 04-25-2025 and subject to change.
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Consumer Deposit Rates (MD Residents)
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. 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, 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. 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, 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 |
| 9-Month *Special* | 3.84% | 3.768% | $10,000 | 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. Rates are applicable for Maryland consumer accounts only. For all other customers, 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. Rates are applicable for Maryland consumer accounts only. For all other customers, please call 800.787.7ESB. For complete account disclosures, consult a representative.
Consumer Deposit Rates (Non-Maryland Residents)
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 |
| 9-Month *Special* | 3.84% | 3.768% | $10,000 | 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. Rates are applicable for Non-Maryland consumer accounts only. For all other customers, 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. Rates are applicable for Non-Maryland consumer accounts only. For all other customers, 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. New savings accounts and applicable rates are available for Maryland businesses only. For assistance and more information, please call 800.787.7ESB and consult a representative for complete details.
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 |
| 3.35% | 3.295% | $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. New savings accounts and applicable rates are available for Maryland businesses only. For assistance and more information, please call 800.787.7ESB and consult a representative for complete details.
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. New savings accounts and applicable rates are available for Maryland businesses only. For assistance and more information, please call 800.787.7ESB and consult a representative for complete details.
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 |
| 9-Month *Special* | 3.84% | 3.768% | $10,000 | 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. and consult a representative for complete details.
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. and consult a representative for complete details.
*SPECIAL CD DISCLOSURES: APY = Annual Percentage Yield. Advertised special APYs and terms are a limited-time promotional offer applicable as of December 24, 2024 and subject to change at any time without notice. Minimum balance to open an account and obtain the APY is $10,000 new money to Eastern Savings Bank. “New money only” is defined as money that is not currently on deposit with Eastern Savings Bank. 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.