Bank · FDIC insured
Empire State Bank CD Rates
Empire State Bank’s best CD rate is 4.25% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Empire State Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Empire State Bank has the most branches. $10,000, best rate first.
This bank’s best
Empire State Bank
4.25%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $425
Certificate of Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Empire State Bank CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Empire State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.25%APY · 20 terms
Interest is compounded daily and credited monthly. Penalty may be imposed for early withdrawal.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 3.70% | 3.70% | $91 |
| 5 months | — | 3.70% | 3.70% | $153 |
| 6 months | — | 3.70% | 3.70% | $183 |
| 7 months | — | 4.00% | 4.00% | $231 |
| 7 monthsPromotional rate | 4.00% | — | 4.00% | $231 |
| 8 months | — | 3.70% | 3.70% | $245 |
| 9 months | — | 3.70% | 3.70% | $276 |
| 10 months | — | 3.70% | 3.70% | $307 |
| 11 months | — | 3.70% | 3.70% | $339 |
| 11 monthsPromotional rate | 4.00% | — | 4.00% | $366 |
| 12 months | — | 4.25% | 4.25% | $425 |
| 13 months | — | 3.70% | 3.70% | $401 |
| 15 months | — | 4.25% | 4.25% | $534 |
| 18 months | — | 3.00% | 3.00% | $453 |
| 22 months | — | 3.00% | 3.00% | $557 |
| 24 months | — | 3.00% | 3.00% | $609 |
| 25 months | — | 3.00% | 3.00% | $635 |
| 30 months | — | 3.00% | 3.00% | $767 |
| 34 months | — | 3.00% | 3.00% | $874 |
| 36 months | — | 3.00% | 3.00% | $927 |
| 48 months | — | 3.00% | 3.00% | $1,255 |
| 60 months | — | 3.00% | 3.00% | $1,593 |
Sources (4)
All captured Oct 5, 2026
36 Month Access CD
0.60%APY · 1 term
No penalty will be imposed if withdrawal occurs after 18 months from opening date. Only one withdrawal permitted after the 18 month period. Penalties for early withdrawals apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 0.60% | $181 |
Sources (1)
- esbna.com/Rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.25%APY · 20 terms
Available as Traditional IRA or Roth IRA. Interest is compounded daily and credited monthly. Penalty may be imposed for early withdrawal.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 3.70% | 3.70% | $91 |
| 5 months | — | 3.70% | 3.70% | $153 |
| 6 months | — | 3.70% | 3.70% | $183 |
| 7 months | — | 4.00% | 4.00% | $231 |
| 7 monthsPromotional rate | 4.00% | — | 4.00% | $231 |
| 8 months | — | 3.70% | 3.70% | $245 |
| 9 months | — | 3.70% | 3.70% | $276 |
| 10 months | — | 3.70% | 3.70% | $307 |
| 11 months | — | 3.70% | 3.70% | $339 |
| 11 monthsPromotional rate | 4.00% | — | 4.00% | $366 |
| 12 months | — | 4.25% | 4.25% | $425 |
| 13 months | — | 3.70% | 3.70% | $401 |
| 15 months | — | 4.25% | 4.25% | $534 |
| 18 months | — | 3.00% | 3.00% | $453 |
| 22 months | — | 3.00% | 3.00% | $557 |
| 24 months | — | 3.00% | 3.00% | $609 |
| 25 months | — | 3.00% | 3.00% | $635 |
| 30 months | — | 3.00% | 3.00% | $767 |
| 34 months | — | 3.00% | 3.00% | $874 |
| 36 months | — | 3.00% | 3.00% | $927 |
| 48 months | — | 3.00% | 3.00% | $1,255 |
| 60 months | — | 3.00% | 3.00% | $1,593 |
Sources (4)
All captured Oct 5, 2026
36 Month Access IRA CD
3.00%APY · 1 term
No penalty will be imposed if withdrawal occurs after 18 months from opening date. Only one withdrawal permitted after the 18 month period. Penalties for early withdrawals apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.00% | $927 |
Sources (1)
- esbna.com/Rates · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.