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At ESB Advisory Services, Inc. we strive to help our clients turn their aspirations and financial dreams into realities. Our dedication is firmly rooted in our goal to provide financial services in an atmosphere that allows us to get to know you better – your family, your business, your financial goals, and your investment needs.
Through our alliance with LPL Financial, our clients have access to a wide array of financial services, including retirement, estate and education strategies, investment products including stocks, bonds, mutual funds, annuities and insurance. LPL Financial is an independently managed broker/dealer with access to financial products and services for both retail and institutional clients.
To set an appointment, contact your local Elmira Savings Bank branch or our financial professionals and LPL Financial registered representatives below:
LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Elmira Savings Bank and ESB Advisory Services, Inc. are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using ESB Advisory Services, Inc., and may also be employees of Elmira Savings Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Elmira Savings Bank. Securities and insurance offered through LPL or its affiliates are:
Not Insured by FDIC or Any Other Government Agency
Not Bank Guaranteed
Not Bank Deposits or Obligations
May Lose Value
This site is designed for and the services offered within this site are available exclusively for U.S. residents only. The LPL Financial Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: NY, PA, AK, CT, DC, FL, MD, NC, NJ, VA and WA.
Elmira Savings Bank offers a wide variety of products with competitive interest rates. If you are in the market for a CD, IRA, interest-bearing checking account, or loan, we have specials with great rates to fit your needs!
Our staff welcomes the opportunity to speak with you further about any of our products and services. For more information, please contact us at (607) 734-3374, (888) 372-9299, or schedule an appointment at your local branch office.
The Everything Loan is ideal for just about Everything! From intended purchases to unexpected ones, this unsecured loan allows for fast decision-making and quick access to funds. Financing is available for up to 72 months for qualified buyers*.
Annual Percentage Rate (APR)*
*Offer may change at any time. Maximum $10,000.00 unsecured. Must have a credit score of 700 or higher. Offer is available to qualified customers only. Loans are subject to credit approval. Not available on Real Estate secured loans, funds may not be used for educational or real estate tax purposes. New money only - ESB loan refinancing does not qualify.
$10,000.00 for 72 months at 5.00% (5.275% Annual Percentage Rate) is approximately $162.33.
$10,000.00 for 48 months at 4.00% (4.400% Annual Percentage Rate) is approximately $227.58.
$10,000.00 for 24 months at 3.00% (3.769% Annual Percentage Rate) is approximately $433.22.
CDs & IRA CD
Certificates of Deposit (CDs) and IRA CDs are a flexible saving option designed to help you reach your financial goals. With our special Step CDs, you have the opportunity to “Step-Up” to a different CD product within the term of your CD*.
Minimum Opening Deposit
Annual Percentage Yield
7 Month Step CD
14 Month Step CD
IRA CD – 18 Month
*All interest rates and Annual Percentage Yields (APY) are subject to change without notice. The minimum balance required to obtain APY may be different than the minimum opening deposit. Fees assessed on your account could reduce earnings. A penalty will be imposed for premature withdrawal from Certificates of Deposit. New Money is considered to be any funds not already on deposit with Elmira Savings Bank. Step option can be exercised one time during the term to any Elmira Savings Bank CD with a term of one year or longer, excluding specials.
Super E Checking Account
Your Super Account Benefits are here! You can’t go wrong with an Extreme Earnings APY on balances up to and including $25,000, exclusive electronic banking options, easy funds access, and an account that’s environmentally responsive. To earn interest, all of the following qualification requirements must be met: enrollment in eStatements, 12 or more POS debit card transactions, and account must receive at least one ACH direct deposit of $200 or more±.
Transaction requirements must post and settle within the statement period.
Annual Percentage Yield (APY)*
Super E Checking
· Chip-enabled Debit Card, available on Apple, Samsung, and Android Pay(s) with refunds on ATM Surcharge Fees±
· Online and Mobile Banking with Bill Pay and Mobile Deposit
· Electronic Statement Delivery
· No minimum balance requirement
*Annual Percentage Yield (APY) is 2.00% on balances up to and including $25,000. Balances above $25,000 earn a simple interest rate of 0.03%, with a corresponding APY of 0.52%-2.00% APY. Maximum of $15 ATM Surcharge Rebates per statement cycle. ±If qualification requirements are not met during the statement period, the full account balance will earn interest at 0.00% APY for that statement period, in addition any ATM Fee rebates are subject to forfeiture. A paper statement fee of $5.00 will be assessed on this account, the fee will be waived when enrolled for eStatements. Fees may reduce earnings. New accounts subject to approval. Rates are subject to change at any time. Offer is not available to existing Elmira Savings Bank consumer checking account holders, or those who have closed an Elmira Savings Bank checking account within 12 months or have had an account closed with a negative balance. Limited to one account per customer, regardless of the titling on the account. Restrictions and additional fees may apply.
All rates listed are effective as of 2/1/2021. Specials are for customers located in the markets we serve.
Elmira Savings Bank
333 E. Water St., Elmira, NY 14901
Phone: (607) 734-3374
The Advisor Newsletter
Routing Number: 221370399
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