Bank · FDIC insured
ESB Financial CD Rates
ESB Financial’s best CD rate is 3.80% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How ESB Financial’s CD rates compare
Compared with banks and credit unions near Emporia, KS, where ESB Financial has the most branches. $10,000, best rate first.
This bank’s best
ESB Financial
3.80%APY
- Term
- 7–11 months
- Minimum
- —
- Earns on $10,000
- —
Certificates of Deposit (CDs)
Top rate
Emporia State Federal Credit Union
4.25%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $1,330
2nd-highest rate
Capitol Federal
4.20%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,789
ESB Financial CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.80%
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 Financial 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 (CDs)
Up to 3.80%APY · 9 terms
If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounded at maturity | 3.70% | $92 |
| 7–11 monthsInterest compounded quarterly | 3.80% | $190 |
| 12–17 monthsInterest compounded quarterly | 3.65% | $365 |
| 18–23 monthsInterest compounded quarterly | 3.65% | $552 |
| 24–29 monthsInterest compounded quarterly | 3.60% | $733 |
| 30–35 monthsInterest compounded quarterly | 3.65% | $938 |
| 36–47 monthsInterest compounded quarterly | 3.70% | $1,152 |
| 48 monthsInterest compounded quarterly | 3.75% | $1,587 |
| 60 monthsInterest compounded quarterly | 3.75% | $2,021 |
Sources (1)
- esbfinancial.com/banking/busin…ates-of-deposit-cds.html · captured Sep 24, 2026
Companion CD Accounts
Up to 3.70%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsInterest compounded quarterly | 3.65% | $1,135 |
| 60 monthsInterest compounded quarterly | 3.70% | $1,992 |
Sources (1)
- esbfinancial.com/banking/busin…ates-of-deposit-cds.html · captured Sep 24, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.80%APY · 9 terms
* Certificates of Deposit and IRAs only. If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounded at maturity | 3.70% | $92 |
| 7–11 monthsInterest compounded quarterly | 3.80% | $190 |
| 18–23 monthsInterest compounded quarterly | 3.65% | $552 |
| 18 monthsQuarterly with rates adjusted quarterly | 3.65% | $552 |
| 24–29 monthsInterest compounded quarterly | 3.60% | $733 |
| 30–35 monthsInterest compounded quarterly | 3.65% | $938 |
| 36–47 monthsInterest compounded quarterly | 3.70% | $1,152 |
| 48 monthsInterest compounded quarterly | 3.75% | $1,587 |
| 60 monthsNew Roth IRA Certificates of Deposit only. Interest compounded quarterly | 3.75% | $2,021 |
Sources (1)
- esbfinancial.com/banking/busin…ates-of-deposit-cds.html · captured Sep 24, 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.