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Empire State Bank

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Empire State Bank Rates & Review November 2026

Q: What are the current interest rates at Empire State Bank?

Current rates for Empire State Bank include: 12-Month CD: 3.70%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, 36-Month CD: 0.60%, 48-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 4.00%, MMA: 0.20%

Q: What CD terms does Empire State Bank offer?

Empire State Bank CD rates are 4.00% APY for a 7 month CD, 3.70% APY for a 10 month CD, 3.70% APY for an 11 month CD, 4.25% APY for a 12 month CD, 4.25% APY for a 15 month CD, 3.00% APY for an 18 month CD, 3.00% APY for a 2 year CD, 0.60% APY for a 3 year CD, 3.00% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Empire State Bank for its full lineup.

Q: How many branches does Empire State Bank operate?

Empire State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Empire State 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Empire State Bank's CD - 12-Month rates are at 4.25%, CD - 15-Month rates are at 4.25%, CD - 7-Month rates are at 4.00%, CD - 10-Month rates are at 3.70%, CD - 11-Month rates are at 3.70%. Empire State Bank's savings rates are at 4.00%. Empire State Bank's money market rates are at 0.20%. Empire State Bank's checking rates are as high as 0.45%. Empire State Bank's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Empire State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.67%. Rates last updated and verified on 11/06/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.67%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Empire State Bank

1441 South Ave
Staten Island, NY 10314

https://www.esbna.com

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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.

Empire State Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
CD - 12-Month	4.16%	4.25%	12 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 15-Month	4.16%	4.25%	15 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 12-Month	4.16%	4.25%	12 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 15-Month	4.16%	4.25%	15 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 7-Month	3.92%	4.00%	7 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 7-Month	3.92%	4.00%	7 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 10-Month	3.63%	3.70%	10 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 11-Month	3.63%	3.70%	11 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 13-Month	3.63%	3.70%	13 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 3-Month	3.63%	3.70%	3 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 5-Month	3.63%	3.70%	5 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 6-Month	3.63%	3.70%	6 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 8-Month	3.63%	3.70%	8 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 9-Month	3.63%	3.70%	9 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 10-Month	3.63%	3.70%	10 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 11-Month	3.63%	3.70%	11 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 13-Month	3.63%	3.70%	13 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 3-Month	3.63%	3.70%	3 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 5-Month	3.63%	3.70%	5 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 6-Month	3.63%	3.70%	6 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 8-Month	3.63%	3.70%	8 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 9-Month	3.63%	3.70%	9 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 18-Month	2.96%	3.00%	18 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 22-Month	2.96%	3.00%	22 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 24-Month	2.96%	3.00%	24 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 25-Month	2.96%	3.00%	25 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 30-Month	2.96%	3.00%	30 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 34-Month	2.96%	3.00%	34 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 36-Month	2.96%	3.00%	36 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 48-Month	2.96%	3.00%	48 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
CD - 60-Month	2.96%	3.00%	60 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 18-Month	2.96%	3.00%	18 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 22-Month	2.96%	3.00%	22 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 24-Month	2.96%	3.00%	24 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 25-Month	2.96%	3.00%	25 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 30-Month	2.96%	3.00%	30 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 34-Month	2.96%	3.00%	34 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 36-Month	2.96%	3.00%	36 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 48-Month	2.96%	3.00%	48 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
IRA CD - 60-Month	2.96%	3.00%	60 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Access CD - 36-Month	0.60%	0.60%	36 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Access CD; Minimum daily balance to earn interest: $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%

Empire State Bank Savings Rates

Product	Rate	APY
Statement Savings	3.92%	4.00%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 27, 2026 · 0.10% → 4.00% ▲ 3.90 pts · high 4.00% / low 0.10% Oct 31, 20264.00%▲ from 0.10% Sep 27, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Statement Savings	3.92%	4.00%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 27, 2026 · 0.10% → 4.00% ▲ 3.90 pts · high 4.00% / low 0.10% Oct 31, 20264.00%▲ from 0.10% Sep 27, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Statement Savings	3.92%	4.00%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 11/06/2026 Rate History 1 change since Sep 27, 2026 · 0.20% → 4.00% ▲ 3.80 pts · high 4.00% / low 0.20% Oct 31, 20264.00%▲ from 0.20% Sep 27, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Premier Savings	3.25%	3.30%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000.00 to $5,000,000.00 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Premier Savings	3.05%	3.10%
Min Deposit $25,000 Min Balance $5,000,000 Details Balance: $5,000,000.01 to $6,000,000.00 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Premier Savings	2.47%	2.50%
Min Deposit $25,000 Min Balance $6,000,000 Details Balance: $6,000,000.00 and above Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
e-Advantage IRA Savings	1.24%	1.25%
Min Deposit $100 Min Balance $2,500 Details Minimum daily balance to earn interest: $2,500.00 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
e-Advantage Personal Savings	1.24%	1.25%
Min Deposit $100 Min Balance $2,500 Details Minimum daily balance to earn interest: $2,500.00 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Empire Builder Savings	0.30%	0.30%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 to $250,000.00 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Minor Statement Savings	0.20%	0.20%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 and above; Minimum Daily Balance to Earn Interest Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Minor Statement Savings	0.10%	0.10%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99; Minimum Daily Balance to Earn Interest Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Minor Statement Savings	0.10%	0.10%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; Minimum Daily Balance to Earn Interest Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Empire Builder Savings	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 to $4,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Empire Builder Savings	0.05%	0.05%
Min Deposit $5,000 Min Balance $250,000 Details Balance: Over $250,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Minor Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 to $2,499.99; Minimum Daily Balance to Earn Interest Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Minor Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 to $24,999.99; Minimum Daily Balance to Earn Interest Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Premier Savings	0.05%	0.05%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.01 to $24,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 to $2,499.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 to $24,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%

Empire State Bank Business Savings Rates

Product	Rate	APY	View More
e-Advantage Business Savings	1.24%	1.25%
Min Deposit $100 Min Balance $2,500 Details Minimum daily balance to earn interest: $2,500.00 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%

Empire State Bank Money Market Rates

Product	Rate	APY
Personal Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Personal Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 to $24,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Personal Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Personal Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Personal Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 to $2,499.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%

Empire State Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Business Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 to $24,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Business Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Business Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Business Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 to $2,499.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%

Empire State Bank Checking Rates

Product	Rate	APY
Non-Profit Checking	0.45%	0.45%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Non-Profit Checking	0.35%	0.35%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Non-Profit Checking	0.35%	0.35%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
"VIP" Interest Checking	0.20%	0.20%
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000 and above Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Non-Profit Checking	0.20%	0.20%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 to $24,999.99 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
"VIP" Interest Checking	0.10%	0.10%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.00 to $19,999.99 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Non-Profit Checking	0.10%	0.10%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 to $2,499.99; APY* footnote applies Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
"VIP" Interest Checking	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 to $4,999.99 Last Updated 11/06/2026 Rate History No change since Sep 11, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%
Free Personal Checking	0.00%	0.00%
Min Deposit $25 Details Minimum Daily Balance to Earn Interest: N/A Last Updated 11/06/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%

Empire State Bank Business Checking Rates

Product	Rate	APY	View More
Free Business Checking	0.00%	0.00%
Min Deposit $100 Details Minimum Daily Balance to Earn Interest: N/A Last Updated 11/06/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.67%

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.

Financial Health History

Empire State Bank’s Texas Ratio rose from 2.54% in Q3 2023 to 7.67% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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	$618M	7.67%	5.0	A
March 31, 2026	$644M	7.65%	5.0	A
December 31, 2025	$617M	9.18%	5.0	A
September 30, 2025	$621M	9.39%	5.0	A
June 30, 2025	$645M	9.97%	5.0	A
March 31, 2025	$632M	8.79%	5.0	A
December 31, 2024	$637M	8.86%	5.0	A
September 30, 2024	$633M	8.66%	5.0	A
June 30, 2024	$652M	1.97%	5.0	A+
March 31, 2024	$629M	2.16%	5.0	A+
December 31, 2023	$639M	2.24%	5.0	A+
September 30, 2023	$630M	2.54%	5.0	A+

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 Empire State 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 Empire State 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 Empire State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Empire State Bank

Website https://www.esbna.com

Address 1441 South Ave, Staten Island, NY 10314 · Richmond

Bank Holding Company ES BANCSHARES INC

FDIC Certificate # 57672

Regulator FED

Established June 28, 2004

FDIC Insurance Date June 28, 2004

Domestic Offices 7

Total Branches 7

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.67%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8020%

Return on Equity (ROE)

7.9700%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

$617,793,000

Total Deposits

$511,621,000

Equity Capital

$62,734,000

Net Income

$2,511,000

Headquarters

Staten Island

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Empire State Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/empire-state-bank-rates-review-57672">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Empire State Bank

Does Empire State Bank offer CDs?

Yes. Empire State Bank current CD rates include its CD - 12-Month at 4.25% APY, its CD - 15-Month at 4.25% APY and its CD - 7-Month at 4.00% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Empire State Bank FDIC insured?

Yes. Empire State Bank 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 Empire State Bank?

The highest Empire State Bank CD rate is its Certificate of Deposit - 12-Month at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Empire State Bank offer?

Empire State Bank CD rates are 4.00% APY for a 7 month CD, 3.70% APY for a 10 month CD, 3.70% APY for an 11 month CD, 4.25% APY for a 12 month CD, 4.25% APY for a 15 month CD, 3.00% APY for an 18 month CD, 3.00% APY for a 2 year CD, 0.60% APY for a 3 year CD, 3.00% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Empire State Bank for its full lineup.

What is the highest savings rate at Empire State Bank?

The highest Empire State Bank savings rate is its Statement Savings at 4.00% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Empire State Bank?

The highest Empire State Bank money market rate is its Business Money Market at 0.20% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Empire State Bank?

The highest Empire State Bank checking rate is its Non-Profit Checking at 0.45% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Empire State Bank operate?

Empire State Bank currently maintains approximately 7 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, Empire State 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, Empire State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Empire State Bank offer online and mobile banking?

Most modern institutions like Empire State 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.esbna.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 Empire State Bank rates compare?

Empire State Bank's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. Empire State Bank's top rates are its Certificate of Deposit - 12-Month at 4.25% APY, its Statement Savings at 4.00% APY, its Business Money Market at 0.20% APY and its Non-Profit Checking at 0.45% APY, verified by MonitorBankRates on November 6, 2026.

Current Empire State Bank Rates

12-Month CD3.70%
18-Month CD3.00%
24-Month CD3.00%
36-Month CD0.60%
48-Month CD3.00%
60-Month CD3.00%
Savings4.00%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

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Empire State Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Empire State Bank Texas Ratio

Empire State Bank Health Trend

Empire State Bank CD Rates

Empire State Bank Savings Rates

Empire State Bank Business Savings Rates

Empire State Bank Money Market Rates

Empire State Bank Business Money Market Rates

Empire State Bank Checking Rates

Empire State Bank Business Checking Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Empire State Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Empire State Bank

Does Empire State Bank offer CDs?

Are CDs from Empire State Bank FDIC insured?

What is the highest CD rate at Empire State Bank?

What CD terms does Empire State Bank offer?

What is the highest savings rate at Empire State Bank?

What is the highest money market rate at Empire State Bank?

What is the highest checking rate at Empire State Bank?

How many branches does Empire State Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Empire State Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Empire State Bank rates compare?

Current Empire State Bank Rates

Compare to Other Banks