Bank · FDIC insured
Empire State Bank Savings Rates
Empire State Bank’s best savings rate is 0.30% APY on $10,000, with its Empire Builder Savings. Rates checked October 16, 2026.
How Empire State Bank’s savings 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
1.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $125
e-Advantage Personal Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Empire State Bank savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0003.30%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Premier Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.05% | $5 |
| $25,000 – $5,000,000 | 3.30% | — |
| $5,000,000 – $6,000,000 | 3.10% | — |
| $6,000,000 and up | 2.50% | — |
Sources (1)
- esbna.com/Rates · captured Sep 26, 2026
e-Advantage Personal Savings
1.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum daily balance to earn interest is $2,500.00. Available when linked to the e-Advantage checking, enrolled in Online Banking and e-Statements.$2,500 and up | 1.25% | $125 | Minimum daily balance to earn interest is $2,500.00. Available when linked to the e-Advantage checking, enrolled in Online Banking and e-Statements. |
Sources (1)
- esbna.com/Rates · captured Sep 26, 2026
Empire Builder Savings
0.30%APY
Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $5,000Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge · $2,500 to open | 0.05% | $2,500 | — | Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge |
| $5,000 – $250,000Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge · $5,000 to open | 0.30% | $5,000 | $30 | Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge |
| $250,000 and upMinimum daily balance of $5,000 required to avoid $15.00 monthly service charge · $5,000 to open | 0.05% | $5,000 | — | Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge |
Personal Money Market
0.10%APY
Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. Interest is compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier 1: $0.01 to $2,499.99 minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. | 0.05% | — | Tier 1: $0.01 to $2,499.99 minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. |
| $2,500 – $25,000Tier 2: $2,500.00 to $24,999.99 minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. | 0.10% | $10 | Tier 2: $2,500.00 to $24,999.99 minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. |
| $25,000 – $50,000Tier 3: $25,000.00 to $49,999.99 minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. | 0.10% | — | Tier 3: $25,000.00 to $49,999.99 minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. |
| $50,000 – $100,000Tier 4: $50,000.00 to $99,999.99 minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. | 0.10% | — | Tier 4: $50,000.00 to $99,999.99 minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. |
| $100,000 and upTier 5: $100,000.00 and above minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. | 0.20% | — | Tier 5: $100,000.00 and above minimum daily balance to earn interest. Minimum daily balance of $2,500 to avoid $15.00 monthly service charge. |
Statement Savings
0.05%APY
Minimum daily balance of $500 required to avoid $5.00 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum daily balance of $500 required to avoid $5.00 monthly service charge | 0.05% | — | Minimum daily balance of $500 required to avoid $5.00 monthly service charge |
| $2,500 – $25,000Minimum daily balance of $500 required to avoid $5.00 monthly service charge | 0.05% | $5 | Minimum daily balance of $500 required to avoid $5.00 monthly service charge |
| $25,000 – $50,000Minimum daily balance of $500 required to avoid $5.00 monthly service charge | 0.10% | — | Minimum daily balance of $500 required to avoid $5.00 monthly service charge |
| $50,000 – $100,000Minimum daily balance of $500 required to avoid $5.00 monthly service charge | 0.10% | — | Minimum daily balance of $500 required to avoid $5.00 monthly service charge |
| $100,000 and upMinimum daily balance of $500 required to avoid $5.00 monthly service charge | 0.20% | — | Minimum daily balance of $500 required to avoid $5.00 monthly service charge |
Special-purpose accounts
e-Advantage IRA Savings
1.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum daily balance to earn interest is $2,500.00. Available when linked to the e-Advantage checking, enrolled in Online Banking and e-Statements.$2,500 and up | 1.25% | $125 | Minimum daily balance to earn interest is $2,500.00. Available when linked to the e-Advantage checking, enrolled in Online Banking and e-Statements. |
Sources (1)
- esbna.com/Rates · captured Sep 26, 2026
Minor Statement Savings
0.05%APY
No minimum balance and no monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $100,000 | 0.10% | — |
| $100,000 and up | 0.20% | — |
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.