Rates
Deposit Specials
Checking
| Product Type |
Minimum Opening Deposit* |
Interest Rate** |
Annual Percentage Yield (APY) |
| The ONE Account |
$10,000.00 |
0.50% |
0.50% |
*New money may be required, please contact your local branch for information.
**During the first 90 days from account opening, this account will pay a fixed promotional rate of interest. After the promotional period ends, this account carries a variable rate of interest.
All interest rates and Annual Percentage Yields (APYs) are accurate as of today and subject to change without notice. The minimum balance required to obtain the APY may be different than the minimum opening deposit, please contact your local branch for information. Fees assessed on your account could reduce your earnings. Variable interest rate accounts may change after the account is opened.
CD and IRA
| Product Type |
Term |
Minimum Opening Deposit* |
Interest Rate |
Annual Percentage Yield (APY) |
| 9 Month |
9 Months |
$2,500.00 |
.35% |
.35% |
| Step CD |
24 Months |
$2,500.00 |
.50% |
.50% |
| IRA CD |
54 Months |
$1,000.00 |
1.14% |
1.15% |
The following specials are available only at our Corning, Montour Falls, Ithaca, and Moravia Branch Locations
| Product Type |
Term |
Minimum Opening Deposit* |
Interest Rate |
Annual Percentage Yield (APY) |
| 9 Month |
9 Months |
$2,500.00 |
.45% |
.45% |
| Step CD |
24 Months |
$2,500.00 |
.75% |
.75% |
| IRA CD |
54 Months |
$1,000.00 |
1.39% |
1.40% |
*New money may be required, please contact your local branch for information.
All interest rates and Annual Percentage Yields (APYs) are subject to change without notice. The minimum balance required to obtain the APY may be different than the minimum opening deposit, please contact your local branch for information. Fees assessed on your account could reduce your earnings. A penalty will be imposed for premature withdrawal from Certificates of Deposit.
These rates are for customers in our local market area.
All deposit rates are effective as of 02/27/2013
Auto, Truck, and Motorcycle Loan Rates
New 2013 – Used 2012 Model Year
(115% financing available on qualified buyers)
| Terms up to |
Interest Rate* |
| 60 months |
2.75% |
| 66 months |
3.00% |
| 72 months** |
4.00% |
*Interest rate and term are subject to change based on credit score and model year of vehicle.
** 72 month term is only available on New 2012-2013 model years.
Please contact us for interest rates on 2011 and older model years.
All interest rates are accurate as of today and subject to change without notice.
Please click here for payment schedule examples.
Personal Loan Rates
SECURED LOANS: $5,000.00 & Over
| Terms up to |
Interest Rate* |
| 60 months |
6.00% |
| 66 months |
6.25% |
| 72 months |
6.75% |
*Interest rate and term are subject to change based on credit score.
All interest rates are accurate as of today and subject to change without notice.
Please click here for payment schedule examples.
UNSECURED LOANS: $5,000.00 & Over
| Terms up to |
Interest Rate* |
| 60 months |
7.00% |
| 66 months |
7.25% |
| 72 months |
7.75% |
*Interest rate and term are subject to change based on credit score.
All interest rates are accurate as of today and subject to change without notice.
Please click here for payment schedule examples.
Elmira Savings Bank offers a variety of deposit and loan products to meet all of your financial needs. Please stop by your local branch office or contact us at (607) 734-3374, (888) 372-9299, to speak with a customer service representative who will be happy to assist you with questions or to provide you with the most current rates.