Certificates of Deposit

Certificates of Deposit

Special CD rates are happening right now!

See the CD Specials tab below for details.

Start earning interest on your money today with an ESSA Certificate of Deposit. Choose from our range of short or long-term certificates and get started today with the one that works best for you and your goals. A CD provides a secure way to prepare for your future.

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CDs

CDs

When time is money and guarantees are everything, how can you say no to reaching your savings goals? Commit your funds to saving on your terms today!

 

Disclosure:

Fixed Rate account. The interest rate and Annual Percentage Yield are fixed for the term of the CD. $1,000 minimum to open and earn the advertised APY. Interest is compounded and credited quarterly. The APY assumes that interest remains on deposit until maturity. A withdraw will reduce earnings. Substantial penalty for early withdrawal. Upon maturity, you have 7 calendar days to make additional deposits or withdrawals. At the end of the grace period, the CD will be automatically renewed for the same term at an interest rate and APY we are then paying on CDs of similar term.  Products are also available as IRA CDs.  Terms from 30 days to 60 months available. Please refer to the account disclosure for further information.

Features :

  • Minimum $1,000 deposit to open
  • Guaranteed interest rate
  • Terms from 30 days to 60 months available
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Jumbo Certificate

Jumbo Certificate1

Bigger deposits, can bring bigger rates…and the larger the smile! When you have more to set aside for rainy days, or not so rainy days, a Jumbo CD may be right for you.

 

Disclosures:

1 Penalties apply for early withdrawal. CD will automatically renew into CD of the same term at maturity unless changes are made to your account during the 7 calendar day grace period following maturity.

2 Contact a branch for rates.

Features :

  • Highest earning CD2
  • Minimum $100,000 deposit to open
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CDARS

CDARS®

Strategically invest your large deposits to ensure every dollar is insured and protected. The CDARS® program allows you to access expanded FDIC protection on CD deposits up to $50,000,000.

Learn More

 

Disclosure:

1 Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with our bank. This agreement contains important information and conditions regarding the placement of funds.

Features :

  • Access to multi-million-dollar FDIC Insurance1
  • The power of daily compounding
  • Earning one rate per maturity, and receiving consolidated statements
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CD Specials

CD Specials

Select from the following promotional rates:

  • 11-Month CD:           3.25% APY
  • 15-Month CD:           3.51% APY

 

 

Disclosure:

Fixed Rate accounts. The interest rate and Annual Percentage Yield are fixed for the term of the CD. $10,000 minimum balance required to open and earn the advertised APY, of which $5,000 must be new money. New money is defined as funds not currently on deposit with ESSA Bank & Trust. Interest is compounded and credited quarterly. The APY assumes that interest remains on deposit until maturity. A withdraw will reduce earnings. Substantial penalty for early withdrawal. Upon maturity, you have 7 calendar days to make additional deposits or withdrawals. At the end of the grace period, the 11-Month CD will be automatically renewed for a new 6-Month term at an interest rate and APY that we are then paying on CDs with that term, and the 15-Month CD will automatically be renewed to a new 12-month term at an interest rate and APY we are then paying on CDs with that term. Products are not available as IRAs. Please refer to the account disclosure for further information.

Features :

  • Guaranteed interest rate
  • Minimum of $10,000 deposit to open 11-Month CD
  • Minimum of $10,000 deposit to open 15-Month CD

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