Checking Rates

Account/BalanceAPYInterest Rate
*Personal Touch Checking
Under $1,000.000.00%0.00%
$1,000.00 - $9,999.990.05%0.05%
$10,000.00 - $24,999.990.05%0.05%
$25,000.00 - $99,999.990.10%0.10%
$100,000.00 & Over0.15%0.15%
*Personal Touch Business Checking
Under $100.000.00%0.00%
$100.00 - $9,999.990.05%0.05%
$10,000.00 - $24,999.990.05%0.05%
$25,000.00 - $99,999.990.10%0.10%
$100,000.00 & Over0.15%0.15%
*Student One Checking
Under $1,000.000.05%0.05%
$1,000.00 - $4,999.990.05%0.05%
$5,000.00 - $14,999.990.10%0.10%
$15,000.00 - $99,999.990.15%0.15%
$100,000 & Over0.20%0.20%
*Checking Plus
All balances0.10%0.10%

* Annual Percentage Yields (APY) and Rates are accurate as of February 6,2015.
* Rates may change after the account is opened.
* Fees could reduce the earnings on the account.
i. Personal Touch Checking Minimum opening deposit of $100 required
ii. Student One Checking Minimum opening deposit of $25 required
iii. Checking Plus Minimum opening deposit of $100 required
iv. Account/Balance is defined as the average monthly balance.


Savings Rates

Account/BalanceAPY

*Christmas Club Savings
$25.000.50%
*Cub Club Savings
Under $50.000.05%
$50.00 - $199.990.10%
$200.00 - $999.990.15%
$1,000.00 - $4,999.990.20%
$5,000.00 & Over0.25%
*Personal Touch Business Savings
Under $100.000.00%
$100.00 - $999.990.05%
$1,000.00 - $4,999.990.05%
$5,000.00 - $19,999.990.10%
$20,000.00 - $99,999.990.15%
$100,000 & Over0.20%
*Personal Touch Savings
Under $100.000.00%
$100.00 - $999.990.05%
$1,000.00 - $4,999.990.05%
$5,000.00 - $19,999.990.10%
$20,000.00 - $99,999.990.15%
$100,000 & Over0.20%

* Annual Percentage Yields (APY) and Rates are accurate as of February 6,2015.
* Rates may change after the account is opened.
* Fees could reduce the earnings on the account.
i. Cub Club Savings Minimum opening deposit of $15 required
ii. Personal Touch Savings Minimum opening deposit of $25 required
iii. Account/Balance is defined as the average monthly balance.


CD & IRA Rates

EDSB offers a large selection of time certificates. Rates are based on the term. We offer certificates from 3 months to 60 months.

Account/TermMinimumAPY*Interest Rate
Regular Certificates
3 Months$1,500.000.05%0.05%
6 Months$1,500.000.25%0.25%
9 Months$1,500.000.30%0.30%
12 Months (1 Year)$1,500.000.40%0.40%
15 Months$1,500.000.45%0.45%
24 Months $1,500.000.60%0.60%
36 Months $1,500.000.80%0.80%
48 Months (4 Years)$1,500.001.15%1.15%
60 Months (5 Years)$1,500.001.40%1.40%
60 Month Cub Club1$50.001.40%1.40%
IRA**
18 Months$50.000.50%0.50%
36 Months (3 Years)$50.000.80%0.80%
60 Months (5 Years)$50.001.40%1.40%

* Annual Percentage Yields (APY) and Rates are accurate as of January 14, 2015.
** There is substantial penalty for early withdrawal including substantial tax penalties on tax deferred instruments.
1 Cub Club certificates are for children 12 and under only.