Bank · FDIC insured
ESB Banking & Insurance Savings Rates
Top CarrotESB Banking & Insurance’s best savings rate is 2.53% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How ESB Banking & Insurance’s savings 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
2.53%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $253
Money Market Account
Top rate
Altra Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
ESB Banking & Insurance savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0002.53%
- $100,000 balance$100,0002.53%
- QualifiedQualified2.53%
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 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.
Money Market Account
2.53%APY
Maintain a $2,500 minimum balance to waive the $15 monthly service charge. Variable rate account subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. | 0.50% | — | Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. |
| $2,500 – $9,999Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. | 1.77% | — | Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. |
| $10,000 – $49,999Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. | 2.53% | $253 | Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. |
| $50,000 – $99,999Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. | 2.53% | — | Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. |
| $100,000 and upVariable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. | 2.53% | — | Variable rate subject to change. $15 monthly service charge waived with a $2,500 minimum balance. |
Sources (3)
- esbbanking.com/deposit-services
- esbbanking.com/money-market-account
- esbbanking.com/wp-content/uplo…SITE-ESB-LT-KELLIE-1.pdf
All captured Oct 16, 2026
Special-purpose accounts
Variable Rate IRA
3.86%APY
Available as Regular, Roth, and Educational IRAs. Variable rate subject to change at bank's discretion after account is opened. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit to open. Rate may change at bank's discretion after account is opened. Regular, Roth & Educational IRAs available.Any balance | 3.86% | $386 | No minimum deposit to open. Rate may change at bank's discretion after account is opened. Regular, Roth & Educational IRAs available. |
Sources (2)
All captured Oct 16, 2026
Health Savings Account (HSA)
0.35%APY
Variable rate account for qualifying individuals. Requires a $500 opening deposit. $2.25 monthly service charge is waived if average daily balance for statement period is $3,000 or more. One-time $25 setup fee applies. Unlimited check writing privileges with optional debit card.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. | 0.35% | — | Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. |
| $2,500 – $9,999Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. | 0.35% | — | Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. |
| $10,000 – $49,999Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. | 0.35% | $35 | Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. |
| $50,000 – $99,999Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. | 0.50% | — | Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. |
| $100,000 and upVariable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. | 1.01% | — | Variable rate subject to change. $2.25 monthly fee waived if average daily balance is $3,000 or more. $25 one-time setup fee. |
Sources (2)
All captured Oct 16, 2026
Statement Savings Account
1.01%APY
Variable rate account with rates subject to change. $8 monthly service charge waived with a $200 minimum balance (minors under 18 are not subject to the minimum balance requirement).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Variable rate subject to change. $8 monthly fee waived with $200 minimum balance (minors under 18 exempt). | 0.30% | — | Variable rate subject to change. $8 monthly fee waived with $200 minimum balance (minors under 18 exempt). |
| $5,000 – $9,999Variable rate subject to change. $8 monthly fee waived with $200 minimum balance (minors under 18 exempt). | 0.35% | — | Variable rate subject to change. $8 monthly fee waived with $200 minimum balance (minors under 18 exempt). |
| $10,000 and upVariable rate subject to change. $8 monthly fee waived with $200 minimum balance (minors under 18 exempt). | 1.01% | $101 | Variable rate subject to change. $8 monthly fee waived with $200 minimum balance (minors under 18 exempt). |
Sources (2)
All captured Oct 16, 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.