Empire State Bank rates: up to 4.25% APY
bank · FDIC CERT 57672 · www.esbna.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Empire Builder Savings Tier 1 | $0.01 to $4,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Empire Builder Savings Tier 2 | $5,000.00 to $250,000.00 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Empire Builder Savings Tier 3 | Over $250,000.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Minor Statement Savings Tier 1 | $0.01 to $2,499.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Minor Statement Savings Tier 2 | $2,500.00 to $24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Minor Statement Savings Tier 3 | $25,000.00 to $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Minor Statement Savings Tier 4 | $50,000.00 to $99,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Minor Statement Savings Tier 5 | $100,000.00 and above | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Savings Tier 1 | $0.01 to $24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Savings Tier 2 | $25,000.00 to $5,000,000.00 | 3.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Savings Tier 3 | $5,000,000.01 to $6,000,000.00 | 3.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Savings Tier 4 | $6,000,000.00 and above | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings Tier 1 | $0.01 to $2,499.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings Tier 2 | $2,500.00 to $24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings Tier 3 | $25,000.00 to $49,999.99 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings Tier 4 | $50,000.00 to $99,999.99 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings Tier 5 | $100,000.00 and above | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| e-Advantage IRA Savings | $2,500.00 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| e-Advantage Personal Savings | $2,500.00 | 1.25% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 3-Month CD | 3 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Month CD | 5 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 5-Month CD | 5 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 6-Month CD | 6 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 Month CD/IRA CD | 7 months · rates dated 1 Jul 2026 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 7-Month CD | 7 Month · $1,000.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 7-Month CD | 7 Month · $1,000.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 8-Month CD | 8 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 8-Month CD | 8 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 9-Month CD | 9 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 9-Month CD | 9 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 10-Month CD | 10 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 10-Month CD | 10 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 11-Month CD | 11 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 11-Month CD | 11 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month · $1,000.00 | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 1-Year CD | 12 Month · $1,000.00 | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 13-Month CD | 13 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 13-Month CD | 13 Month · $1,000.00 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 15-Month CD | 15 Month · $1,000.00 | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 15-Month CD | 15 Month · $1,000.00 | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 18-Month CD | 18 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 22-Month CD | 22 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 22-Month CD | 22 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 2-Year CD | 24 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 25-Month CD | 25 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 25-Month CD | 25 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 30-Month CD | 30 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 30-Month CD | 30 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 34-Month CD | 34 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 34-Month CD | 34 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Access CD | $1,000.00 · 3 years | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 3-Year CD | 36 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 4-Year CD | 48 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 5-Year CD | 60 Month · $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Personal Money Market Tier 1 | $0.01 to $2,499.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Money Market Tier 2 | $2,500.00 to $24,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Money Market Tier 3 | $25,000.00 to $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Money Market Tier 4 | $50,000.00 to $99,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Money Market Tier 5 | $100,000.00 and above | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| "VIP" Interest Checking | $0.01 to $4,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| "VIP" Interest Checking | $5,000.00 to $19,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| "VIP" Interest Checking | $20,000 and above | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Free Personal Checking | N/A | 0.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.esbna.com/Rates | 2026-11-02 02:24 UTC | ok | f1faf928e702 |
| www.esbna.com/Promo-7-Month-CD | 2026-11-02 02:24 UTC | ok | b22978bbc26a |
| www.esbna.com/CD-IRA | — | extract-failed |