Bank · FDIC insured
ESB Financial Savings Rates
ESB Financial’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How ESB Financial’s savings 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
0.40%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
Capitol Federal
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
2nd-highest rate
Community National Bank & Trust
1.91%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $191
ESB Financial savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.45%
- QualifiedQualified1.01%
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 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.
Free Kasasa Saver
1.01%APY on $10,000
Links to free Kasasa Cash, Kasasa Cash Back, or Kasasa Play checking. Automatic transfers of Kasasa checking earnings. No monthly maintenance fee. Limit 1 account per social security number. Early closing fee of $30 if closed within 60 days after date opened.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 1.01% |
| $10,000 and up | 0.15% |
On $10,000 the tiers blend to about 1.01% APY, earning $101 a year.
Money Market Account
0.40%APY
Compounded monthly. At ESB's discretion, interest rates may change on any tiers. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. $1,000 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Interest compounded monthly. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. | 0.25% | — | Interest compounded monthly. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. |
| $10,000 – $50,000Interest compounded monthly. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. | 0.40% | $40 | Interest compounded monthly. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. |
| $50,000 – $150,000Interest compounded monthly. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. | 0.45% | — | Interest compounded monthly. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. |
| $150,000 and upInterest compounded monthly. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. | 0.50% | — | Interest compounded monthly. Avoid $5 monthly service fee by maintaining a $1,000 minimum average balance. |
Sources (1)
- esbfinancial.com/banking/perso…oney-market-account.html · captured Oct 5, 2026
Savings
0.35%APY
Compounded monthly. Rates are variable and may change at bank discretion.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Compounded monthly. | 0.20% | — | Compounded monthly. |
| $10,000 – $50,000Compounded monthly. | 0.35% | $35 | Compounded monthly. |
| $50,000 – $150,000Compounded monthly. | 0.40% | — | Compounded monthly. |
| $150,000 and upCompounded monthly. | 0.45% | — | Compounded monthly. |
Sources (3)
- esbfinancial.com/banking/perso…oans/personal-loans.html
- esbfinancial.com/rates.html
- esbfinancial.com/banking/personal-banking
All captured Oct 5, 2026
Special-purpose accounts
Christmas Savings Accounts
0.35%APY
Compounded monthly. Rates are variable and may change at bank discretion.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Compounded monthly. | 0.20% | — | Compounded monthly. |
| $10,000 – $50,000Compounded monthly. | 0.35% | $35 | Compounded monthly. |
| $50,000 – $150,000Compounded monthly. | 0.40% | — | Compounded monthly. |
| $150,000 and upCompounded monthly. | 0.45% | — | Compounded monthly. |
Sources (2)
All captured Oct 5, 2026
SUPER HERO Youth Savings Account
0.35%APY
For junior clients/children age 18 and under. No minimum balance requirement. No monthly service charge. No minimum deposit to open. Compounded monthly. Includes free SUPER HERO cape, annual card, and birthday gift.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Compounded monthly. | 0.20% | — | Compounded monthly. |
| $10,000 – $50,000Compounded monthly. | 0.35% | $35 | Compounded monthly. |
| $50,000 – $150,000Compounded monthly. | 0.40% | — | Compounded monthly. |
| $150,000 and upCompounded monthly. | 0.45% | — | Compounded monthly. |
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.