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Certificate Rates

Certificate – Fixed Rate

Minimum Balance to Open Account:
$500 (terms greater than 45 days); $1,000 (terms less than 45 days)

Certificate Term
Minimum Balance to Obtain APY
Dividend Rate
Annual Percentage Yield
Certificate Term 31 day
Minimum Balance to Obtain APY $1,000
Dividend Rate 0.050%
Annual Percentage Yield 0.050%
Certificate Term 3 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.100%
Annual Percentage Yield 0.100%
Certificate Term 4 month
Minimum Balance to Obtain APY $500
Dividend Rate0.300%
Annual Percentage Yield0.300%
Certificate Term 6 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.200%
Annual Percentage Yield 0.200%
Certificate Term 9 month
Minimum Balance to Obtain APY $500
Dividend Rate 0.200%
Annual Percentage Yield 0.200%
Certificate Term 12 month
Minimum Balance to Obtain APY $500
Dividend Rate0.150%
Annual Percentage Yield 0.150%
Certificate Term 18 month
Minimum Balance to Obtain APY $500
Dividend Rate0.150%
Annual Percentage Yield 0.150%
Certificate Term 24 month
Minimum Balance to Obtain APY $500
Dividend Rate0.150%
Annual Percentage Yield 0.150%
Certificate Term 36 month
Minimum Balance to Obtain APY $500
Dividend Rate0.150%
Annual Percentage Yield 0.150%
Certificate Term 48 month
Minimum Balance to Obtain APY $500
Dividend Rate0.150%
Annual Percentage Yield 0.150%
Certificate Term 60 month
Minimum Balance to Obtain APY $500
Dividend Rate0.200%
Annual Percentage Yield 0.200%
Certificate Term 72 month
Minimum Balance to Obtain APY $500
Dividend Rate0.250%
Annual Percentage Yield 0.250%
Certificate Term 84 month
Minimum Balance to Obtain APY $500
Dividend Rate0.300%
Annual Percentage Yield 0.300%
Certificate Term 96 month
Minimum Balance to Obtain APY $500
Dividend Rate0.350%
Annual Percentage Yield 0.350%
Certificate Term 108 month
Minimum Balance to Obtain APY $500
Dividend Rate0.399%
Annual Percentage Yield 0.400%
Certificate Term 120 month
Minimum Balance to Obtain APY $500
Dividend Rate0.399%
Annual Percentage Yield 0.400%

Certificate – Variable

Minimum Balance to Open Account: $500

Certificate Term
Minimum Balance to Obtain APY
Dividend Rate
Annual Percentage Yield
Certificate Term6 month
Minimum Balance$500
Dividend Rate0.200%
Annual Percentage Yield0.200%
 

Certificate – Tax Deferred

Minimum Balance to Open Account: $500

Certificate Term
Minimum Balance to Obtain APY
Dividend Rate
Annual Percentage Yield
Certificate Term12 month
Minimum Balance$500
Dividend Rate0.200%
Annual Percentage Yield0.200%
 

Jumbo Certificate

Minimum Balance to Open Account: $100,000

Certificate Term
Minimum Balance to Obtain APY
Dividend Rate
Annual Percentage Yield
Certificate Term 30 day jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate 0.150%
Annual Percentage Yield0.150%
Certificate Term 60 day jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate 0.200%
Annual Percentage Yield0.200%
Certificate Term 90 day jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate0.250%
Annual Percentage Yield0.250%.
Certificate Term 180 day jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate0.399%
Annual Percentage Yield0.400%
Certificate Term 360 day jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate 0.200%
0.200%
Certificate Term 18 month jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate 0.200%
0.200%
Certificate Term 24 month jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate 0.200%
Annual Percentage Yield0.200%
Certificate Term 36 month jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate 0.200%
Annual Percentage Yield0.200%
Certificate Term 48 month jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate 0.200%
0.200%
Certificate Term 60 month jumbo
Minimum Balance to Obtain APY $100,000
Dividend Rate 0.200%
Annual Percentage Yield0.200%

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 these accounts.

Call Certificate

Minimum Balance to Open Account: $500

Certificate Term
Minimum Balance to Obtain APY
Dividend Rate
Annual Percentage Yield
Certificate Term24 month
Minimum Balance$500
Dividend Rate0.200%
Annual Percentage Yield0.20%
Certificate Term60 month
Minimum Balance$500
Dividend Rate0.250%
Annual Percentage Yield0.25%

Rates accurate as of

Call Certificates guarantee an Annual Percentage Yield (APY) for the initial six months of the 24-month term or 12 months of the 60-month term. Thereafter, ESL may "call" the certificate one time every six months. If ESL does not "call" the certificate, the original APY remains fixed for every six-month period until the term ends.

All rates subject to change without notice.  APY is accurate as of the last dividend declaration date.  A penalty may apply for early withdrawal.  Fees could reduce earnings in these accounts.