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Passbook Savings
Competitive rate (subject to change)
Interest is calculated daily, and credited at the end of each quarter. If you close your account before interest is credited, you will not receive the accrued interest
$1.00 fee per withdrawal if the number of withdrawals exceeds 3 in a 1 month period
$7.00 monthly service charge, if minimum balance of $100.00 is not maintained.
You must deposit $100.00 to open this account
Youth Savings
Competitive rate (subject to change)
Interest is calculated daily, and credited at the end of each quarter. If you close your account before interest is credited, you will not receive the accrued interest
You must deposit $100.00 to open this account
Christmas or Vacation Club - For ESB Accountholders
Accounts consist of 50 weekly payments in increments of $5.00 or more per week
Customer makes 50 payments and the bank makes a bonus payment equal to .20 of 1% of the total 50 payments as a bonus payment
YOU MUST HAVE AN ESTABLISHED ACCOUNT RELATIONSHIP WITH EXCHANGE STATE BANK TO BE ELIGIBLE FOR THIS ACCOUNT. RELATIONSHIP MAY BE AN ACTIVE CHECKING ACCOUNT, SAVINGS ACCOUNT, CERTIFICATE OF DEPOSIT, OR LOAN ACCOUNT
Christmas or Vacation Club - With No Other Account
Accounts consist of 50 weekly payments in increments of $5.00 or more per week
Customer makes 50 payments and the bank makes a bonus payment equal to .10 of 1% of the total 50 payments as a bonus payment
Certificate of Deposit
Competitive interest rates
Certificates available from 3 month to 5 year maturities
Minimum deposit of $1,000
Quarterly interest may be added to certificate, deposited to your account, or mailed by check as per your request
Monthly interest available on certificates over $5,000
IRA-Individual Retirement Accounts
Designed to save taxes (subject to individual circumstances)
Competitive interest rates
18 month term certificates
No fees or service charges
Interest calculated daily, added to certificate quarterly
Interest rate same as our 48 month certificate of deposit
Interest rates adjust quarterly
Copyright © Exchange State Bank. All rights reserved. Member FDIC. Equal Housing Lender