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Easthampton Savings Bank

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Easthampton Savings Bank Rates & Review May 2026

Q: How many branches does Easthampton Savings Bank operate?

Easthampton Savings Bank currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 5, 2026

Easthampton Savings Bank's 7-Month CD rates are at 3.50%, 15-Month CD rates are at 3.35%, 7-Month CD rates are at 3.30%, 15-Month CD rates are at 3.10%. MonitorBankRates evaluates the financial stability of Easthampton Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.29%. Rates were last updated on 05/05/2026.

Easthampton Savings Bank 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 Easthampton Savings Bank? Share your experience about Easthampton Savings Bank by leaving a review below, or read customer reviews before you decide to use Easthampton Savings Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.29%

Excellent Lower than avg

Easthampton Savings Bank

36 Main St
Easthampton, MA 01027

http://www.bankesb.com

Easthampton Savings Bank CD Rates

Product	Rate	APY	Term
7-Month CD	-	3.50%	7
Min Deposit $1,000 Min Balance $0 Details Promotional offer is available to new or existing checking account customers only. For new customers, both accounts, checking and CD, must be opened at the same time to unlock the higher rate of 3.50% APY. Not available for Get Real Student Checking. Automatically renews at maturity for 6 months at the then current CD rate and term. Available for IRAs. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.29%
15-Month CD	-	3.35%	15
Min Deposit $1,000 Min Balance $0 Details Promotional offer is available to new or existing checking account customers only. For new customers, both accounts, checking and CD, must be opened at the same time to unlock the higher rate of 3.35% APY. Not available for Get Real Student Checking. Automatically renews at maturity for 15 months at the then current CD rate and term. Available for IRAs. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.29%
7-Month CD	-	3.30%	7
Min Deposit $1,000 Min Balance $0 Details Promotional offer is available to new or existing customers without a checking account. Automatically renews at maturity for 6 months at the then current CD rate and term. Available for IRAs. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.29%
15-Month CD	-	3.10%	15
Min Deposit $1,000 Min Balance $0 Details Promotional offer is available to new or existing customers without a checking account. Automatically renews at maturity for 15 months at the then current CD rate and term. Available for IRAs. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.29%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Easthampton Savings Bank 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 Easthampton Savings Bank 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 Easthampton Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Easthampton Savings Bank

Bank Holding Company HOMETOWN FINANCIAL GROUP MHC

Address 36 Main St, Easthampton, MA 01027 · Hampshire

Website https://www.bankesb.com

FDIC Certificate # 90188

Established 02/10/1869

FDIC Insurance Date 09/05/1985

Domestic Offices 11

Total Branches 11

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0998%

Return on Equity (ROE) 11.8300%

Non-Performing Loans (NPL) 0.11%

Total Assets $1,997,695,000

Total Deposits $1,740,173,000

Equity Capital $192,443,000

Net Income $1,213,000

Headquarters Easthampton

Total Offices 11

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Easthampton Savings Bank

How many branches does Easthampton Savings Bank operate?

Easthampton Savings Bank currently maintains approximately 11 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, Easthampton Savings Bank 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, Easthampton Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Easthampton Savings Bank offer online and mobile banking?

Most modern institutions like Easthampton Savings Bank 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.bankesb.com.