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Business Certificate Rates

Certificate – Fixed Rates

Minimum Balance to Open Account:
$5,000 (terms less than 45 days) or $500 (terms greater than 45 days)

Certificate Term
Minimum Balance to Obtain APY
Dividend Rate
Annual Percentage Yield
Certificate Term 7 day
Minimum Balance to Obtain APY $5,000
Dividend Rate 0.050%
Annual Percentage Yield 0.05%
Certificate Term 14 day
Minimum Balance to Obtain APY $5,000
Dividend Rate 0.050%
Annual Percentage Yield 0.05%
Certificate Term 21 day
Minimum Balance to Obtain APY $5,000
Dividend Rate 0.050%
Annual Percentage Yield 0.05%
Certificate Term 31 day
Minimum Balance to Obtain APY $5,000
Dividend Rate 0.050%
Annual Percentage Yield 0.05%
Certificate Term 60 day
Minimum Balance to Obtain APY $500
Dividend Rate 0.050%
Annual Percentage Yield 0.05%
Certificate Term 3 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.050%
Annual Percentage Yield 0.05%
Certificate Term 6 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.100%
Annual Percentage Yield 0.10%
Certificate Term 11 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.996%
Annual Percentage Yield 1.00%
Certificate Term 12 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.200%
Annual Percentage Yield 0.20%
Certificate Term 13 month*
Minimum Balance to Obtain APY $500
Dividend Rate 1.294%
Annual Percentage Yield 1.30%
Certificate Term 18 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.250%
Annual Percentage Yield 0.25%
Certificate Term 23 month*
Minimum Balance to Obtain APY $500
Dividend Rate 1.492%
Annual Percentage Yield 1.50%
Certificate Term 24 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.350%
Annual Percentage Yield 0.35%
Certificate Term 30 month*
Minimum Balance to Obtain APY $500
Dividend Rate 1.590%
Annual Percentage Yield 1.60%
Certificate Term 36 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.599%
Annual Percentage Yield 0.60%
Certificate Term 48 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.698%
Annual Percentage Yield 0.70%
Certificate Term 60 month*
Minimum Balance to Obtain APY $500
Dividend Rate 2.477%
Annual Percentage Yield 2.50%
Certificate Term 72 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.897%
Annual Percentage Yield 0.90%
Certificate Term 84 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.996%
Annual Percentage Yield 1.00%
Certificate Term 96 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.996%
Annual Percentage Yield 1.00%
Certificate Term 108 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.996%
Annual Percentage Yield 1.00%
Certificate Term 120 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.996%
Annual Percentage Yield 1.00%

Rates accurate as of


All rates subject to change without notice.  Annual Percentage Yield (APY) is accurate as of the last dividend declaration date.  A penalty may apply for early withdrawal.  Fees could reduce earnings in this account.

*New money only, balances not on deposit with ESL in the past 30 days.