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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 anytime 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
Orig NMLS #403589
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