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Exchange State Bank

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

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