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Eastern Savings Bank, FSB Rates & Review October 2026

Eastern Savings Bank, FSB's top rates as of October 11, 2026 are 0.40% APY on its 60-Month 60-Month Certificate, 3.00% APY on savings, and 1.25% APY on checking, according to rates verified by MonitorBankRates. Other Eastern Savings Bank, FSB CD rates include 60-Month CD at 0.40%, Business 60-Month CD at 0.40%, and 48-Month 48-Month Certificate at 0.35%. MonitorBankRates evaluates the financial stability of Eastern Savings Bank, FSB with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.76%. Rates last updated and verified on 10/11/2026.

Eastern Savings Bank, FSB money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Eastern Savings Bank, FSB? Share your experience about Eastern Savings Bank, FSB by leaving a review below, or read customer reviews before you decide to use Eastern Savings Bank, FSB.

Overall Health & Safety Grade ?
B
Solid Health Score: 86/100
MonitorBankRates Rating ?
4.6
Excellent Out of 5.0 Stars
Texas Ratio ?
19.76%
Good Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Eastern Savings Bank, FSB
11350 Mccormick Rd
Hunt Valley, MD 21031
https://www.easternsavingsbank.com
MemberFDIC
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Eastern Savings Bank, FSB CD Rates

Product Rate APY Term View More
60 Month Certificate 0.40% 0.40% 60-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 7, 2026: 0.40% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
60-Month CD 0.40% 0.40% 60-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
48 Month Certificate 0.35% 0.35% 48-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
48-Month CD 0.35% 0.35% 48-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Sep 7, 2026: 0.35% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
36 Month Certificate 0.25% 0.25% 36-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
36-Month CD 0.25% 0.25% 36-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 7, 2026: 0.25% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
24 Month Certificate 0.20% 0.20% 24-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
24-Month CD 0.20% 0.20% 24-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 7, 2026: 0.20% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
30 Month Certificate 0.20% 0.20% 30-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
30-Month CD 0.20% 0.20% 30-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 7, 2026: 0.20% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
12 Month Certificate 0.15% 0.15% 12-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
12-Month CD 0.15% 0.15% 12-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 7, 2026: 0.15% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
18 Month Certificate 0.15% 0.15% 18-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
18-Month CD 0.15% 0.15% 18-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 7, 2026: 0.15% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
18-Month IRA 0.15% 0.15% 18-Month
Min Deposit $100
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Special Retirement Account 18-Month IRA 0.15% 0.15% 18-Month
Min Deposit $100
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
6 Month Certificate 0.07% 0.07% 6-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.07% APY · checked 2 times
0.00%0.29%0.57%Oct 7, 2026: 0.07% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
6-Month CD 0.07% 0.07% 6-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.07% APY · checked 3 times
0.00%0.29%0.57%Sep 7, 2026: 0.07% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
3 Month Certificate 0.05% 0.05% 3-Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
3-Month CD 0.05% 0.05% 3-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 7, 2026: 0.05% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%

Eastern Savings Bank, FSB Business CD Rates

Product Rate APY Term View More
Business 60-Month CD 0.40% 0.40% 60-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 7, 2026: 0.40% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business 48-Month CD 0.35% 0.35% 48-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business 36-Month CD 0.25% 0.25% 36-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business 24-Month CD 0.20% 0.20% 24-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business 30-Month CD 0.20% 0.20% 30-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business 12-Month CD 0.15% 0.15% 12-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business 18-Month CD 0.15% 0.15% 18-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business 6-Month CD 0.07% 0.07% 6-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.07% APY · checked 2 times
0.00%0.29%0.57%Oct 7, 2026: 0.07% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business 3-Month CD 0.05% 0.05% 3-Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%

Eastern Savings Bank, FSB Savings Rates

Product Rate APY View More
Consumer Savings Accounts 2.47% 2.50%
Min Balance $500,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
1 change since Sep 7, 2026 · 2.40% → 2.50% ▲ 0.10 pts · high 2.50% / low 2.40%
1.90%2.45%3.00%Sep 7, 2026: 2.40% APYOct 3, 2026: 2.50% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20262.50%▲ from 2.40%
  • Sep 7, 20262.40%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 1.49% 1.50%
Min Balance $100,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
1 change since Sep 7, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
0.75%1.38%2.00%Sep 7, 2026: 1.25% APYOct 3, 2026: 1.50% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20261.50%▲ from 1.25%
  • Sep 7, 20261.25%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 1.00% 1.00%
Min Balance $75,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 7, 2026: 1.00% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 0.95% 0.95%
Min Balance $50,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 7, 2026: 0.95% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 0.50% 0.50%
Min Balance $25,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 7, 2026: 0.50% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 0.15% 0.15%
Min Balance $10,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 7, 2026: 0.15% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 0.10% 0.10%
Min Balance $5,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 7, 2026: 0.10% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 0.08% 0.08%
Min Balance $500
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.08% APY · checked 8 times
0.00%0.29%0.58%Sep 7, 2026: 0.08% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 0.08% 0.08%
Min Balance $1,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.08% APY · checked 7 times
0.00%0.29%0.58%Sep 19, 2026: 0.08% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts 0.05% 0.05%
Min Balance $0
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 7, 2026: 0.05% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%

Eastern Savings Bank, FSB Business Savings Rates

Product Rate APY View More
Business Money Market Savings Account 2.96% 3.00%
Min Balance $1,000,000
Details Balance: $1,000,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 1.74% 1.75%
Min Balance $500,000
Details Balance: $500,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 7, 2026: 1.75% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 1.24% 1.25%
Min Balance $100,000
Details Balance: $100,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 7, 2026: 1.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 1.05% 1.05%
Min Balance $75,000
Details Balance: $75,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.05% APY · checked 2 times
0.55%1.05%1.55%Oct 7, 2026: 1.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.85% 0.85%
Min Balance $50,000
Details Balance: $50,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.45% 0.45%
Min Balance $25,000
Details Balance: $25,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 7, 2026: 0.45% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.20% 0.20%
Min Balance $10,000
Details Balance: $10,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Savings Accounts 0.15% 0.15%
Min Balance $100
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 7, 2026: 0.15% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.10% 0.10%
Min Balance $2,500
Details Balance: $2,500; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.05% 0.05%
Min Balance $500
Details Balance: $500; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%

Eastern Savings Bank, FSB Business Money Market Rates

Product Rate APY View More
Business Money Market Savings Account 2.96% 3.00%
Min Balance $1,000,000
Details Balance: $1,000,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 1.74% 1.75%
Min Balance $500,000
Details Balance: $500,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 7, 2026: 1.75% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 1.24% 1.25%
Min Balance $100,000
Details Balance: $100,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 7, 2026: 1.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 1.05% 1.05%
Min Balance $75,000
Details Balance: $75,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.05% APY · checked 2 times
0.55%1.05%1.55%Oct 7, 2026: 1.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.85% 0.85%
Min Balance $50,000
Details Balance: $50,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 7, 2026: 0.85% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.45% 0.45%
Min Balance $25,000
Details Balance: $25,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 7, 2026: 0.45% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.20% 0.20%
Min Balance $10,000
Details Balance: $10,000; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.10% 0.10%
Min Balance $2,500
Details Balance: $2,500; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Money Market Savings Account 0.05% 0.05%
Min Balance $500
Details Balance: $500; Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%

Eastern Savings Bank, FSB Checking Rates

Product Rate APY View More
Classic Checking 0.15% 0.15%
Min Balance $10,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Club 50 Checking 0.15% 0.15%
Min Balance $10,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 7, 2026: 0.15% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Premier Checking 0.15% 0.15%
Min Balance $10,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 7, 2026: 0.15% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Classic Checking 0.08% 0.08%
Min Balance $5,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.08% APY · checked 7 times
0.00%0.29%0.58%Sep 19, 2026: 0.08% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Club 50 Checking 0.08% 0.08%
Min Balance $5,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.08% APY · checked 8 times
0.00%0.29%0.58%Sep 7, 2026: 0.08% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Premier Checking 0.08% 0.08%
Min Balance $5,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.08% APY · checked 8 times
0.00%0.29%0.58%Sep 7, 2026: 0.08% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Classic Checking 0.05% 0.05%
Min Balance $500
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Club 50 Checking 0.05% 0.05%
Min Balance $500
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 7, 2026: 0.05% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Premier Checking 0.05% 0.05%
Min Balance $500
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 7, 2026: 0.05% APYSep 7, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%

Eastern Savings Bank, FSB Business Checking Rates

Product Rate APY View More
Business Checking Accounts 1.24% 1.25%
Min Balance $500,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
0.50%1.13%1.75%Sep 19, 2026: 1.00% APYOct 7, 2026: 1.25% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20261.25%▲ from 1.00%
  • Sep 19, 20261.00%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts 0.75% 0.75%
Min Balance $100,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50%
0.00%0.63%1.25%Sep 19, 2026: 0.50% APYOct 7, 2026: 0.75% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20260.75%▲ from 0.50%
  • Sep 19, 20260.50%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts 0.25% 0.25%
Min Balance $75,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts 0.20% 0.20%
Min Balance $50,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts 0.15% 0.15%
Min Balance $25,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts 0.10% 0.10%
Min Balance $5,000
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts 0.05% 0.05%
Min Balance $500
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts 0.05% 0.05%
Min Balance $1,500
Details Compounding Frequency: Daily
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%

Financial Health History

Eastern Savings Bank, FSB’s Texas Ratio fell from 22.57% in Q3 2023 to 19.76% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 4.6 and its Health Grade from B- to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 8% 2.0★ 15% 3.0★ 23% 4.0★ 30% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 22.57% B- Q3 2023 B Q4 2023 B Q1 2024 B Q2 2024 B+ Q3 2024 B+ Q4 2024 B+ Q1 2025 B+ Q2 2025 A- Q3 2025 A- Q4 2025 B+ Q1 2026 19.76% B Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$336M19.76%4.6B
March 31, 2026$354M18.61%4.7B+
December 31, 2025$367M16.39%4.9A-
September 30, 2025$389M16.61%4.9A-
June 30, 2025$415M17.89%4.8B+
March 31, 2025$411M17.34%4.8B+
December 31, 2024$407M17.05%4.8B+
September 30, 2024$401M17.46%4.8B+
June 30, 2024$388M21.38%4.5B
March 31, 2024$384M21.87%4.4B
December 31, 2023$376M21.76%4.4B
September 30, 2023$353M22.57%4.4B-
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Eastern Savings Bank, FSB is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Eastern Savings Bank, FSB rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Eastern Savings Bank, FSB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Eastern Savings Bank, FSB
FDIC Certificate # 32360
Address 11350 Mccormick Rd, Hunt Valley, MD 21031  ·  Baltimore
Established 19050529
FDIC Insurance Date 19890809
Domestic Offices 3
Total Branches 3
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B
Overall Health Grade Score: 86/100
4.6
Excellent Out of 5.0 Stars
19.76%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 2.2746%
Return on Equity (ROE) 7.4600%
Non-Performing Loans (NPL) 4.89%
Total Assets $336,412,000
Total Deposits $207,967,000
Equity Capital $108,600,000
Net Income $4,007,000
Headquarters Hunt Valley
Total Branches and Offices 3
Source: FDIC  |  Last Updated 06/30/2026

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Frequently Asked Questions About Eastern Savings Bank, FSB

How many branches does Eastern Savings Bank, FSB operate?

Eastern Savings Bank, FSB currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Eastern Savings Bank, FSB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Eastern Savings Bank, FSB provides members with tools to manage their accounts and build a solid financial history.

Does Eastern Savings Bank, FSB offer online and mobile banking?

Most modern institutions like Eastern Savings Bank, FSB provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.easternsavingsbank.com.

Current Eastern Savings Bank, FSB Rates

  • 12-Month CD0.15%
  • 18-Month CD0.15%
  • 24-Month CD0.20%
  • 36-Month CD0.25%
  • 48-Month CD0.35%
  • 60-Month CD0.40%
  • Savings3.00%
Retrieved from our database of financial products. Rates subject to change.