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Deposit Specials - Schuyler County

The following specials are available at our Watkins Glen location:

CD and IRA

Product Type Minimum Opening Deposit* Interest Rate Annual Percentage Yield (APY)
7 Month CD & IRA CD** $500.00 1.49% 1.50%
18 Month CD & IRA CD** $500.00 1.74% 1.75%
30 Month CD & IRA CD** $500.00 2.23% 2.25%


*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.

Checking

Super eChecking

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 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. Transactional requirements must post and settle within the statement period.

Product Type Minimum Opening Deposit Interest Rate Annual Percentage Yield (APY)*
Super eChecking $50.00 1.98% 2.00%

 

Complimentary Services:

  • 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. Failure to enroll in eStatements will result in a $5.00 per month paper statement fee. Fees may reduce earnings. New accounts subject to approval. Rates are subject to change at any time. Product offer for personal accounts only. 

 

Relationship Builder

 
Enjoy a competitive fixed rate of interest during the first year (introductory period). Competitive tiered rates will go into effect after the introductory period ends. $25,000.00 minimum balance requirement*, one (1) direct deposit, and eDelivery of your account statement each month is required to avoid monthly service charge(s).
 
 
Product Type Minimum Opening Deposit*** Interest Rate**** Annual Percentage Yield (APY)
Relationship Builder $25,000.00 0.99% 1.00%

Complimentary Services:

  • Chip-enabled Debit Card; available on Apple, Samsung, and Android Pay(s), with no ESB fee for using foreign ATMs
  • Online and Mobile Banking with Bill Pay and Mobile Deposit
  • Electronic Statement Delivery

Other Account Features:

  • 50% rate discount on any closed-end, non-real estate secured loan****, with auto pay from the checking account
  • 0.25% rate bonus on most certificates of deposit
  • Free dynamic transfer
  • One free box of program checks each year

***$25,000.00 new money required; $25,000.00 minimum opening deposit. $5.00 monthly fee if minimum balance requirement is not met; $25.00 monthly fee if activity requirements are not met. ****During the first year 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. ****Available up to one (1) year from account opening; subject to credit approval. New money only.

 
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.

These rates are for customers in our local market area.

All deposit rates are effective as of 03/16/2018

 

 

 

Elmira Savings Bank • 333 E. Water St., Elmira, NY 14901 • Phone: (607) 734-3374 • (888) 372-9299 •       

© Copyright 2013 Elmira Savings Bank. All Rights Reserved. Member FDIC.