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Eastern Savings Bank, FSB Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Eastern Savings Bank, FSB's Consumer CD (CD) - 60-Month rates are at 0.40%, Consumer CD (CD) - 48-Month rates are at 0.35%, Consumer CD (CD) - 36-Month rates are at 0.25%, Consumer CD (CD) - 24-Month rates are at 0.20%, Consumer CD (CD) - 30-Month rates are at 0.20%. Eastern Savings Bank, FSB's savings rates are at 3.00%. Eastern Savings Bank, FSB's checking rates are as high as 1.25%. Eastern Savings Bank, FSB's top CD rate of 4.00% APY on a 7 month CD is 41% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has a B health rating. 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 11/05/2026.
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 HealthScore: 86/100
Overall Health & Safety Grade
Eastern Savings Bank, FSB has earned an overall safety grade of B (Solid, Score: 86/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.6
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Eastern Savings Bank, FSB has earned a Star Rating of 4.6 out of 5 stars (Excellent).
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
?
19.76%
GoodHigher than avg
Eastern Savings Bank, FSB Texas Ratio
Eastern Savings Bank, FSB's Texas Ratio is 19.76%, which is considered good and is higher than the national average of 5.85%.
While Eastern Savings Bank, FSB has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
22.57% to 19.76% over 12 quarters, improvingFull history
Star Rating 4.4 to 4.6, Health Grade B- to B
The Texas Ratio for this bank has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
Min. Deposit
View More
7-Month CD Special
-
4.00%
7 months
-
Min Balance$10,000
DetailsNew Money Only; Featured offer as of August 27, 2026; Opens in branch or from home via new account application; Auto-renews to a new 12-month term at the applicable rate; Footnote shows 3.75% APY (3.68% interest rate) on a 7-month CD with $10,000 new money minimum, which conflicts with the 4.00% headline and is not used as the row rate
Last Updated11/05/2026
Rate History
1 change since Sep 7, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Oct 20, 20264.00%▲ from 3.75%
Sep 7, 20263.75%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 60-Month
0.40%
0.40%
60-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.40% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 60-Month
0.40%
0.40%
60-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.40% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 48-Month
0.35%
0.35%
48-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 48-Month
0.35%
0.35%
48-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 36-Month
0.25%
0.25%
36-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 36-Month
0.25%
0.25%
36-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 24-Month
0.20%
0.20%
24-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 30-Month
0.20%
0.20%
30-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 24-Month
0.20%
0.20%
24-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 30-Month
0.20%
0.20%
30-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Monthly
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 12-Month
0.15%
0.15%
12-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Daily
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 18-Month
0.15%
0.15%
18-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Daily
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 12-Month
0.15%
0.15%
12-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Daily
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 18-Month
0.15%
0.15%
18-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Daily
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 5 times
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
$100
Min Deposit$100
DetailsCompounding: Annually
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 8 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 6-Month
0.07%
0.07%
6-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Daily
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.07% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 6-Month
0.07%
0.07%
6-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Daily
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.07% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer CD (CD) - 3-Month
0.05%
0.05%
3-Month
$1,000
Min Deposit$1,000
DetailsCompounding: Daily
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Jumbo CD (CD) - 3-Month
0.05%
0.05%
3-Month
$100,000
Min Deposit$100,000
DetailsCompounding Frequency: Daily
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 5 times
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 Deposit$100
Min Balance$500,000
DetailsBalance tier starting at $500,000; Compounding: Daily
Last Updated11/05/2026
Rate History
1 change since Sep 7, 2026 · 2.40% → 2.50% ▲ 0.10 pts · high 2.50% / low 2.40%
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 Deposit$100
Min Balance$100,000
DetailsBalance tier starting at $100,000; Compounding: Daily
Last Updated11/05/2026
Rate History
1 change since Sep 7, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
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 Deposit$100
Min Balance$75,000
DetailsBalance tier starting at $75,000; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 1.00% APY · checked 14 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts
0.95%
0.95%
Min Deposit$100
Min Balance$50,000
DetailsBalance tier starting at $50,000; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 0.95% APY · checked 14 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts
0.50%
0.50%
Min Deposit$100
Min Balance$25,000
DetailsBalance tier starting at $25,000; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 0.50% APY · checked 14 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts
0.15%
0.15%
Min Deposit$100
Min Balance$10,000
DetailsBalance tier starting at $10,000; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 0.15% APY · checked 14 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts
0.10%
0.10%
Min Deposit$100
Min Balance$5,000
DetailsBalance tier starting at $5,000; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 0.10% APY · checked 14 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts
0.08%
0.08%
Min Deposit$100
Min Balance$500
DetailsBalance tier starting at $500; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 0.08% APY · checked 14 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts
0.08%
0.08%
Min Deposit$100
Min Balance$1,000
DetailsBalance tier starting at $1,000; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.08% APY · checked 13 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Savings Accounts
0.05%
0.05%
Min Deposit$100
Min Balance$0
DetailsBalance tier starting at $0.01; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 14 times
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 Accounts
2.96%
3.00%
Min Deposit$100
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 and over; Compounding: Daily
Last Updated11/05/2026
Rate History
1 change since Sep 7, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90%
No change since Sep 7, 2026 · 0.05% APY · checked 12 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Eastern Savings Bank, FSB Checking Rates
Product
Rate
APY
View More
Consumer Checking Accounts
0.15%
0.15%
Min Balance$10,000
DetailsBalance: $10,000 and over; Interest rates apply to Classic Checking, Club 50 Checking, and Premier Checking; Minimum to open: $100 Classic/Club 50, $250 Premier; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Checking Accounts
0.08%
0.08%
Min Balance$5,000
DetailsBalance: $5,000 and over (tier); Interest rates apply to Classic Checking, Club 50 Checking, and Premier Checking; Minimum to open: $100 Classic/Club 50, $250 Premier; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.08% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Checking Accounts
0.05%
0.05%
Min Balance$500
DetailsBalance: $500 and over (tier); Interest rates apply to Classic Checking, Club 50 Checking, and Premier Checking; Minimum to open: $100 Classic/Club 50, $250 Premier; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Consumer Checking Accounts
0.00%
0.00%
Min Balance$0
DetailsBalance: $0.01 and over (first tier); Interest rates apply to Classic Checking, Club 50 Checking, and Premier Checking; Minimum to open: $100 Classic/Club 50, $250 Premier; Compounding: Daily
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 5 times
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
DetailsBalance tier from $500,000; Compounding: Daily; Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts.
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
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
DetailsBalance tier from $100,000; Compounding: Daily; Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts.
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50%
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
DetailsBalance tier from $75,000; Compounding: Daily; Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 11 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts
0.20%
0.20%
Min Balance$50,000
DetailsBalance tier from $50,000; Compounding: Daily; Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 11 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts
0.15%
0.15%
Min Balance$25,000
DetailsBalance tier from $25,000; Compounding: Daily; Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 11 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts
0.10%
0.10%
Min Balance$5,000
DetailsBalance tier from $5,000; Compounding: Daily; Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 11 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts
0.05%
0.05%
Min Balance$500
DetailsBalance tier from $500; Compounding: Daily; Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 11 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.76%
Business Checking Accounts
0.05%
0.05%
Min Balance$1,500
DetailsBalance tier from $1,500; Compounding: Daily; Interest rates applicable to balances maintained in Business Premier Checking and Community Checking Trust accounts.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 11 times
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.
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)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$336M
19.76%
4.6
B
March 31, 2026
$354M
18.61%
4.7
B+
December 31, 2025
$367M
16.39%
4.9
A-
September 30, 2025
$389M
16.61%
4.9
A-
June 30, 2025
$415M
17.89%
4.8
B+
March 31, 2025
$411M
17.34%
4.8
B+
December 31, 2024
$407M
17.05%
4.8
B+
September 30, 2024
$401M
17.46%
4.8
B+
June 30, 2024
$388M
21.38%
4.5
B
March 31, 2024
$384M
21.87%
4.4
B
December 31, 2023
$376M
21.76%
4.4
B
September 30, 2023
$353M
22.57%
4.4
B-
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.
Address
11350 Mccormick Rd,
Hunt Valley, MD 21031 · Baltimore
FDIC Certificate #32360
RegulatorOCC
EstablishedMay 29, 1905
FDIC Insurance DateAugust 9, 1989
Domestic Offices3
Total Branches3
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.6 / 5.0 ★
Overall Health & Safety Grade
B (86/100)
Texas Ratio
19.76%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
2.2746%
Return on Equity (ROE)
7.4600%
Non-Performing Loans Ratio (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 June 30, 2026
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Eastern Savings Bank, FSB
Does Eastern Savings Bank, FSB offer CDs?
Yes. Eastern Savings Bank, FSB current CD rates include its Consumer CD (CD) - 60-Month at 0.40% APY, its Consumer CD (CD) - 48-Month at 0.35% APY and its Consumer CD (CD) - 36-Month at 0.25% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Eastern Savings Bank, FSB FDIC insured?
Yes. Eastern Savings Bank, FSB is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Eastern Savings Bank, FSB?
The highest Eastern Savings Bank, FSB CD rate is its 7-Month CD Special at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Eastern Savings Bank, FSB offer?
Eastern Savings Bank, FSB CD rates are 0.15% APY for a 12 month CD, 0.15% APY for an 18 month CD, 0.20% APY for a 2 year CD, 0.20% APY for a 30 month CD, 0.25% APY for a 3 year CD, 0.35% APY for a 4 year CD and 0.40% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Eastern Savings Bank, FSB for its full lineup.
What is the highest savings rate at Eastern Savings Bank, FSB?
The highest Eastern Savings Bank, FSB savings rate is its Consumer Savings Accounts at 2.50% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Eastern Savings Bank, FSB?
The highest Eastern Savings Bank, FSB money market rate is its Business Money Market Savings Accounts at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Eastern Savings Bank, FSB?
The highest Eastern Savings Bank, FSB checking rate is its Business Checking Accounts at 1.25% APY, verified by MonitorBankRates as of November 5, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Eastern Savings Bank, FSB rates compare?
Eastern Savings Bank, FSB's top CD rate of 4.00% APY on a 7 month CD is 41% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has a B health rating. Eastern Savings Bank, FSB's top rates are its 7-Months 7-Month CD Special at 4.00% APY, its Business Money Market Savings Accounts at 3.00% APY and its Business Checking Accounts at 1.25% APY, verified by MonitorBankRates on November 5, 2026.
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.
Brian McKay
