Bank · FDIC insured
ESB Banking & Insurance CD Rates
Top CarrotESB Banking & Insurance’s best CD rate is 4.09% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How ESB Banking & Insurance’s CD rates compare
Compared with banks and credit unions near La Crosse, WI-MN, where ESB Banking & Insurance has the most branches. $10,000, best rate first.
This bank’s best
ESB Banking & Insurance
4.09%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $202
Certificates of Deposit
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Co-op Credit Union
4.70%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $713
ESB Banking & Insurance CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo4.09%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.09%
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 ESB Banking & Insurance 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.
Certificates of Deposit
Up to 4.09%APY · 8 terms
Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsCheck Plan (Interest via check); balance less than $10,000 | 2.93% | — | 2.93% | $72 |
| 3 monthsCheck Plan (Interest via check); balance of $10,000 or more | — | 3.03% | 3.03% | $75 |
| 3 monthsCompounding & Auto Deposit Plans; balance less than $10,000 | 3.03% | — | 3.03% | $75 |
| 3 monthsCompounding & Auto Deposit Plans; balance of $10,000 or more | — | 3.14% | 3.14% | $78 |
| 6 monthsCheck Plan (Interest via check); balance less than $10,000 | 3.89% | — | 3.89% | $193 |
| 6 monthsCheck Plan (Interest via check); balance of $10,000 or more | — | 3.99% | 3.99% | $198 |
| 6 monthsCompounding & Auto Deposit Plans; balance less than $10,000 | 3.99% | — | 3.99% | $198 |
| 6 monthsCompounding & Auto Deposit Plans; balance of $10,000 or more | — | 4.09% | 4.09% | $202 |
| 12 monthsCheck Plan (Interest via check); balance less than $10,000 | 3.70% | — | 3.70% | $370 |
| 12 monthsCheck Plan (Interest via check); balance of $10,000 or more | — | 3.80% | 3.80% | $380 |
| 12 monthsCompounding & Auto Deposit Plans; balance less than $10,000 | 3.80% | — | 3.80% | $380 |
| 12 monthsCompounding & Auto Deposit Plans; balance of $10,000 or more | — | 3.90% | 3.90% | $390 |
| 18 monthsCheck Plan (Interest via check); balance less than $10,000 | 3.70% | — | 3.70% | $560 |
| 18 monthsCheck Plan (Interest via check); balance of $10,000 or more | — | 3.80% | 3.80% | $575 |
| 18 monthsCompounding & Auto Deposit Plans; balance less than $10,000 | 3.80% | — | 3.80% | $575 |
| 18 monthsCompounding & Auto Deposit Plans; balance of $10,000 or more | — | 3.90% | 3.90% | $591 |
| 24 monthsCheck Plan (Interest via check); balance less than $10,000. Convertible at half term without penalty | 3.60% | — | 3.60% | $733 |
| 24 monthsCheck Plan (Interest via check); balance of $10,000 or more. Convertible at half term without penalty | — | 3.70% | 3.70% | $754 |
| 24 monthsCompounding & Auto Deposit Plans; balance less than $10,000. Convertible at half term without penalty | 3.70% | — | 3.70% | $754 |
| 24 monthsCompounding & Auto Deposit Plans; balance of $10,000 or more. Convertible at half term without penalty | — | 3.80% | 3.80% | $774 |
| 36 monthsCheck Plan (Interest via check); balance less than $10,000. Convertible at half term without penalty | 3.60% | — | 3.60% | $1,119 |
| 36 monthsCheck Plan (Interest via check); balance of $10,000 or more. Convertible at half term without penalty | — | 3.70% | 3.70% | $1,152 |
| 36 monthsCompounding & Auto Deposit Plans; balance less than $10,000. Convertible at half term without penalty | 3.70% | — | 3.70% | $1,152 |
| 36 monthsCompounding & Auto Deposit Plans; balance of $10,000 or more. Convertible at half term without penalty | — | 3.80% | 3.80% | $1,184 |
| 48 monthsCheck Plan (Interest via check); balance less than $10,000. Convertible at half term without penalty | 3.60% | — | 3.60% | $1,520 |
| 48 monthsCheck Plan (Interest via check); balance of $10,000 or more. Convertible at half term without penalty | — | 3.70% | 3.70% | $1,564 |
| 48 monthsCompounding & Auto Deposit Plans; balance less than $10,000. Convertible at half term without penalty | 3.70% | — | 3.70% | $1,564 |
| 48 monthsCompounding & Auto Deposit Plans; balance of $10,000 or more. Convertible at half term without penalty | — | 3.80% | 3.80% | $1,609 |
| 60 monthsCheck Plan (Interest via check); balance less than $10,000. Convertible at half term without penalty | 3.70% | — | 3.70% | $1,992 |
| 60 monthsCheck Plan (Interest via check); balance of $10,000 or more. Convertible at half term without penalty | — | 3.80% | 3.80% | $2,050 |
| 60 monthsCompounding & Auto Deposit Plans; balance less than $10,000. Convertible at half term without penalty | 3.80% | — | 3.80% | $2,050 |
| 60 monthsCompounding & Auto Deposit Plans; balance of $10,000 or more. Convertible at half term without penalty | — | 3.90% | 3.90% | $2,108 |
Sources (2)
All captured Oct 16, 2026
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