Rates

Consumer Deposit Accounts

Certificates of Deposit**

Effective Date: Sunday, June 16, 2019

Account TypeMinimum Opening Deposit RequiredInterest RateAPY*Minimum to Obtain APY
14 Day CD$5,0000.15%0.15%$5,000How To Open
91 Day CD or IRA$5000.15%0.15%$500How To Open
6 Month CD/IRA$5000.30%0.30%$500Open
9 Month CD or IRA$5000.40%0.40%$500How To Open
1 Year CD or IRA$5000.60%0.60%$500Open
15 Month CD$5000.75%0.75%$500How To Open
18 Month CD or IRA$5002.37%2.40%$500Open
2 Year CD or IRA$5001.24%1.25%$500Open
30 Month CD or IRA$5001.49%1.50%$500How To Open
3 Year CD or IRA$5001.09%1.10%$500Open
4 Year CD or IRA$5001.39%1.40%$500Open
5 Year CD or IRA$5001.59%1.60%$500Open

*APY=Annual Percentage Yield.
**A penalty may be imposed for early withdrawal.

Consumer Checking & Money Market Accounts

Effective Date: Sunday, June 16, 2019

Account TypeMinimum Opening Deposit RequiredInterest RateAPY*Minimum to Obtain APY
ez Access Money Market Checking$250.10%
0.15%
0.20%
0.10%
0.15%
0.20%
$500 - $24,999.99
$25,000 - $49,999.99
$50,000 or more
Open

*APY=Annual Percentage Yield. At our discretion we may change the interest rate on your account.

Consumer Savings Accounts

Effective Date: Sunday, June 16, 2019

Account Type Minimum Opening Deposit Required Interest Rate APY* Minimum to Obtain APY
eStatement Savings $25 0.10% 0.10% $25 Open
Passbook Savings $25 0.05% 0.05% $25 How To Open
Holiday Club $1 0.05% 0.05% $1 How To Open
Health Savings $25 0.05%
0.05%
0.10%
0.15%
0.20%
0.25%
0.30%
0.05%
0.05%
0.10%
0.15%
0.20%
0.25%
0.30%
$1 - $999.99
$1,000 - $2499.99
$2,500 - $4,999.99
$5,000 - $9,999.99
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000 or more
How To Open
IRA Stmt Savings 0.05%
0.15%
0.20%
0.05%
0.15%
0.20%
$25 - $2,499.99
$2,500 - $9,999.99
$10,000 or more
How To Open

*APY=Annual Percentage Yield. At our discretion we may change the interest rate on your account.

Business Accounts

Effective Date: Sunday, June 16, 2019

Account Type Minimum Opening Deposit Required Interest Rate APY* Minimum to Obtain APY
Business Statement Savings $25 0.05% 0.05% $25 How To Open
Business Money Market $2,500 0.05%
0.10%
0.25%
0.75%
0.05%
0.10%
0.25%
0.75%
$2,500 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 or more
How To Open
Business Interest Checking $25 0.05% 0.05% $25 How to Open
IOLTA/IOREBTA $25 0.15% 0.15% $25 How to Open

*APY=Annual Percentage Yield. APY effective as of the above date. At our discretion we may change the interest rate on your account. Offers may be withdrawn and rates/APY's are subject to change at any time. Fees may reduce earnings.

Residential Mortgage / Home Equity & Consumer Loan Programs

Residential Mortgage Loan

Effective Date: Sunday, June 16, 2019

View RatesApply

For current rate information on our Residential Mortgage Home Loans, please click above.

Home Equity Loans and Lines

Effective Date: Sunday, June 16, 2019

View RatesApply

For current rate information on our Home Equity programs, please click above.

Smart-E Energy Loan

Effective Date: Sunday, June 16, 2019

Term in monthsAPR*
604.49%Apply
844.99%Apply
1205.99%Apply
1446.99%Apply

*APR=Annual Percentage Rate. Smart-E Loans offer long-term, low interest financing to help Connecticut residents access affordable home energy improvements. Program is available for 1 to 4 family owner occupied dwellings. Subject to other terms and conditions. Other restrictions apply.

Home Improvement Loan (Unsecured)

Effective Date: Sunday, June 16, 2019

Term in MonthsAPR*Payment per $1000
365.990%$30.42Apply
606.490%$19.56Apply
846.990%$15.09Apply
1206.990%$11.61Apply
1447.490%$10.55Apply

*APR=Annual Percentage Rate.  This program is available for 1 to 4 family owner-occupied dwellings (not available for condominiums) located in the State of Connecticut and Rhode Island.   Subject to other terms and conditions. Other restrictions apply.  Minimum loan amount is $3,000.  Maximum loan amount is $50,000. 

Personal Loan(Unsecured)

Effective Date: Sunday, June 16, 2019

Loan AmountAuto PayAPR*Term
$1,000-$15,000With ESB Auto Pay10.000%12 to 60 monthsApply
$1,000-$15,000Without ESB Auto Pay12.000%12 to 60 monthsApply

*APR=Annual Percentage Rate

New Vehicle Loans

Effective Date: Sunday, June 16, 2019

Model YearAPR*Max TermLoan To ValuePayment Per $1,000
2018-20203.490%24 monthsUp To 80%1$43.20Apply
2018-20203.490%36 monthsUp To 80%1$29.30Apply
2018-20203.990%48 monthsUp To 80%1$22.58Apply
2018-20204.240%60 monthsUp To 80%1$18.53Apply
2018-20203.990%24 months80.01-90%2$43.42Apply
2018-20204.490%36 months80.01-90%2$29.74Apply
2018-20204.490%48 months80.01-90%2$22.80Apply
2018-20204.740%60 months80.01-90%2$18.75Apply

*APR=Annual Percentage Rate. Value based on retail value published by the NADA East Coast edition. Fee:$23.00 VSI insurance. Maximun loan amount: $50,000. Stated rates assume less than 5,000 miles at time of application.  Never before titled/sold vehicles.

1Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 640+.

2Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 760+.

Used Vehicle Loans

Effective Date: Sunday, June 16, 2019

Model YearAPR*Max TermLoan To ValuePayment Per $1,000
2009-20193.990%24 monthsUp To 80%1$43.42Apply
2009-20193.990%36 MonthsUp To 80%1$29.52Apply
2009-20194.490%48 MonthsUp To 80%1$22.80Apply
2009-20194.990%60 MonthsUp To 80%1$18.87Apply
2016-20193.990%24 months80.01-90%2$43.42Apply
2016-20194.490%36 months80.01-90%2$29.74Apply
2016-20194.990%48 months80.01-90%2$23.03Apply
2016-20195.490%60 months80.01-90%2$19.10Apply

*APR=Annual Percentage Rate. Value based on retail value published by the NADA East Coast edition. Fee:$23.00 VSI insurance. Maximun loan amount: $50,000. Minimum loan amount: $5,000. Stated rates assume less than 105,000 miles at time of application

1Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 640+.

2Maximum Loan to value based on creditworthiness. Above APR assumes a credit score of 760+.

Note:90% Loan to Value available for 2014-2017 used cars.

Collateral Loans(Passbook or CD)

Effective Date: Sunday, June 16, 2019

APR*Max TermLoan To Value
3.10%15 Years90%How To Apply

*APR=Annual percentage rate. lifetime Cap:18%. lifetime Floor:3%. Funds on deposit must be opened for 90 days prior to the loan application.

1Contact our branch office for APR for your particular loan scenario.

Overdraft Protection Line

Effective Date: Sunday, June 16, 2019

Loan AmountRateAPR*
$500-$2,50018.000%18.000%Apply

*APR=Annual Percentage Rate. An Overdraft Protection Line protects your checking account from overdrafts. Repayment:Interest plus 5% of the outstanding balance.