Did you know that your hard–earned savings can be a convenient source of borrowing? You can use your CD balances as collateral for this loan. In addition to borrowing at an attractive rate, you'll continue to earn interest on your balances and you may be able to build your credit history along the way.



  • Fixed rate for your budget
  • Quoted rates guaranteed for 30 days
  • Minimum loan amount is $2,500 – up to $200,000
  • Term of 60 months
  • Multiple accounts may be pledged for one loan1

For a timely response you must direct all billing inquiries and requests for information on your loan to: ESSA Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160. All loans are subject to credit approval.


All owners of the savings account must sign as a borrower or pledgor/hypothecator or both. Minimum monthly payment: accrued interest or $50, whichever is greater. Principal balance plus any accrued interest due at maturity.