ESB Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.25%, 6-month CD rates at 3.50% and 3-month CD rates at 0.10%. Current savings rates are at 0.05% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 6.82%. Credit Card rates are at 7.90%. Personal Loan rates are at 11.50%. All these rates, and more, can be found in our database of rates. ESB Bank's 6-Month CD rates are at 5.30%, 18-Month CD rates are at 5.00%, 12-Month CD rates are at 5.00%, 60-Month CD rates are at 4.10%, 48-Month CD rates are at 4.10%. ESB Bank's savings rates are at 1.01%. ESB Bank's money market rates are at 3.30%.

ESB Bank

To see how these rates compare to ESB Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from ESB Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with ESB Bank CD rates. You can also compare ESB Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

ESB Bank Texas Ratio

ESB Bank's Texas Ratio is at 1.52%, which is considered excellent. The Texas Ratio for ESB Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, ESB Bank is a good bank worth considering, with an overall rating of 3 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.00%
18-Month CD
5.00%
24-Month CD
3.85%
36-Month CD
4.10%
48-Month CD
4.10%
60-Month CD
4.10%
Savings
1.01%
MMA
3.30%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
ESB Bank
115 N Highway 44/76
Caledonia, MN 55921
Member FDIC
MonitorBankRates' Rating
3/5
★★★☆☆

ESB Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
ESB Bank
ESB Bank
6-Month CD
5.30%
$10,000
ESB Bank
ESB Bank
12-Month CD
5.00%
$10,000
ESB Bank
ESB Bank
18-Month CD
5.00%
$10,000
ESB Bank
ESB Bank
36-Month CD
4.10%
$10,000
ESB Bank
ESB Bank
48-Month CD
4.10%
$10,000
ESB Bank
ESB Bank
60-Month CD
4.10%
$10,000
ESB Bank
ESB Bank
24-Month CD
3.85%
$10,000
ESB Bank
ESB Bank
Money Market
3.30%
$100,000
ESB Bank
ESB Bank
3-Month CD
3.10%
$10,000
ESB Bank
ESB Bank
Statement Savings
1.01%
$10,000
ESB Bank
ESB Bank
Elite Checking
1.01%
$10,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare ESB Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
NBKC Bank
NBKC Bank
15-Month CD
5.40%
$1,000
CFG Bank
CFG Bank
High Yield Money Market Account
5.25%
$1,000
West Shore Bank
West Shore Bank
6-Month CD
5.20%
$500
Blupeak Credit Union
Blupeak Credit Union
12-Month CD (Certificate) Promo Special
5.10%
$1,000
Goldwater Bank
Goldwater Bank
15-Month CD
5.00%
$500
TD Bank
TD Bank
6-Month CD relationship
5.00%
$250
Henderson State Bank
Henderson State Bank
11-Month CD special
4.90%
$500
LimeLight Bank
LimeLight Bank
18-Month CD
4.75%
$1,000
Susquehanna Community Bank
Susquehanna Community Bank
Eagle Premium Savings Account
4.59%
$100,000
Prairie Bank of Kansas
Prairie Bank of Kansas
12-Month CD
4.55%
$1,000
F&M Bank Berlin, WI
F&M Bank Berlin, WI
8-Month CD special
4.53%
$5,000
Synchrony Bank
Synchrony Bank
18-Month CD
4.50%
$0
Meridian Bank
Meridian Bank
Your Hometown Money Market
4.50%
$25,000
RadiFi Credit Union
RadiFi Credit Union
Make Waves High Yield Checking
4.00%
$5,000
West Pointe Bank
West Pointe Bank
60-Month CD
3.53%
$500
Jovia Federal Credit Union
Jovia Federal Credit Union
Go Green Checking
3.50%
$1
Craft Bank
Craft Bank
12-Month CD
3.05%
$1
United Valley Bank
United Valley Bank
36-Month CD
3.00%
$500
Agility Bank
Agility Bank
18-Month CD
2.98%
$1,000
PCB Payne County Bank
PCB Payne County Bank
6-Month CD
2.75%
$1,000
Woodlands National Bank
Woodlands National Bank
60-Month CD
2.65%
$10,000
Westfield Bank, FSB
Westfield Bank, FSB
48-Month CD
2.53%
$2,500
Chase Bank
Chase Bank
60-Month CD relationship
2.50%
$0
Heartland State Bank Edgeley, ND
Heartland State Bank Edgeley, ND
60-Month CD
2.50%
$10,000
Coleman County State Bank
Coleman County State Bank
60-Month CD
2.43%
$1,000
First Community Bank Batesville, AR
First Community Bank Batesville, AR
60-Month CD
2.27%
$500
First Bank of Utica
First Bank of Utica
48-Month CD
2.22%
$500
Finance Factors
Finance Factors
Premier Savings Account
2.00%
$100
West Union Bank
West Union Bank
36-Month CD
1.90%
$500
First Commerce Bank (NJ)
First Commerce Bank (NJ)
Premier Money Market
1.50%
$0
Cayuga Lake National Bank
Cayuga Lake National Bank
18-Month CD
1.11%
$500
Parkway Bank and Trust Company
Parkway Bank and Trust Company
48-Month CD
1.05%
$1,000
BLC Community Bank
BLC Community Bank
Tired Money Market
1.00%
$5,000
OWB One World Bank
OWB One World Bank
36-Month CD
0.70%
$1,000
The Victory Bank
The Victory Bank
24-Month CD
0.60%
$500
First County Bank
First County Bank
60-Month CD
0.55%
$1,000
Unico Bank
Unico Bank
36-Month CD
0.55%
$1,000
Farmers State Bank Waterloo, IA
Farmers State Bank Waterloo, IA
60-Month CD
0.51%
$5,000
Chelsea Groton Bank
Chelsea Groton Bank
48--Month CD
0.45%
$500
Century Bank of Florida
Century Bank of Florida
48-Month CD
0.35%
$500
Adrian Bank
Adrian Bank
Passbook Savings Account
0.25%
$100
New Peoples Bank
New Peoples Bank
Statement Savings
0.25%
$0
Clare Bank
Clare Bank
24-Month CD
0.25%
$500
Citizens State Bank Moundridge, KS
Personal Savings
0.25%
$100
Haven Savings Bank
Haven Savings Bank
Statement Savings Account
0.20%
$50
United Orient Bank
United Orient Bank
Passbook Savings
0.20%
$100
Fifth District Savings Bank
Fifth District Savings Bank
Fifth Savings Account
0.10%
$0
Yakima Federal S&L
Yakima Federal S&L
Simply Savings
0.05%
$100
Bank of New Hampshire
Bank of New Hampshire
Prestige Checking
0.05%
$50
FNB of Scotia
FNB of Scotia
6-Month CD
0.04%
$2,500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 14, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

ESB Bank Information

ESB Bank
115 N Highway 44/76
Caledonia, MN 55921
Houston
Established Date: 01/02/1909
FDIC Certificate #: 10980
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: EITZEN INDEPENDENTS INC
How Many Domestic U.S. Offices? 3
How Many Branches are There? 3
Is ESB Bank FDIC Insured? Yes
What is ESB Bank's Cert number? 10980
What is the maximum amount for insured deposits? $250,000 per holder, per account

ESB Bank Financials

Total Assets:
$152,114,000
Total Deposits:
$128,101,000
Equity Capital:
$15,172,000
Domestic Deposits:
$128,101,000
Net Income:
$512,000
Return on Assets:
1.5174%
Quarterly Return on Assets:
1.3400%
Pretax Return on Assets:
1.5469%
Pretax Quarterly Return on Assets:
1.5500%
Return on Equity:
16.5900%
Quarterly Return on Equity:
13.7000%
Leverage Tier 1 (Core Capital) Ratio:
9.3411%
Total Interest Income (YTD):
4.1730%
 
 
Headquarters:
Caledonia
FDIC Field Office:
Minneapolis
Regulator:
FDIC
County:
Houston
# of Offices:
3
Metropolitan Statistical Area (MSA):
La Crosse-Onalaska, WI-MN
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC

Explore Other Rate Deals

Conforming mortgage rates are slightly lower this week over last week. 30 year conforming mortgage rates are lower but just above a record low set two weeks ago. 30 year mortgage interest rates are averaging 4.40 percent, just above the record low of 4.36 percent set on September 6, 2010.
Mortgage rates are higher for the third consecutive week in the most recent mortgage rates survey released yesterday morning by Freddie Mac (OTC: FMCC). Fixed long term mortgage rates and short term adjustable mortgage rates are all higher in the Primary Mortgage Market Survey for the week ending December 2, 2010. Fixed conventional 30 year home mortgage rates are averaging 4.46 percent for the week ending December 2, 2010, up from the previous week’s average 30 year home mortgage  rate of 4.40 percent. Average mortgage discount points on 30 year home mortgage loans was 0.8 points, unchanged from the prior week’s survey.

Average 30 year mortgage rates increased last week to 3.51 percent, the first time in almost 3 months that rates were above 3.50 percent. The increase was short lived as 30 year mortgage rates fell to 3.49 percent this week. We expect 30 year mortgage rates to stay below 3.50 percent in the interim unless the Federal Reserve increases the fed funds rate this week.

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ESB Bank Reviews

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