Special Rate Exclusively From Empire State Bank

11 Month Access CD

Available as an IRA CD*

4.50% APY*

$1,000 minimum opening balance. 

Maximize Your FDIC Coverage With Protection Beyond $250,000 through our Extended FDIC Insurance Programs.  CLICK HERE TO LEARN MORE.

With our Access CD option, you have the ability to access your funds at 7 months during the 11-month term of your CD. You’ll be able to unlock the CD and access your funds with no penalty to enjoy a different CD at higher rate or keep the same CD rate. The choice is yours.

Open today at an Empire State Bank near you:

South Avenue Banking Center

Address 1441 South Avenue Staten Island, NY 10314 Phone Numbers Phone: 718-303-6915 Fax: 718-303-6919 Directionsto South Avenue Banking Center

Lobby Hours Monday – Friday: 8:30am - 5:00pm 24 Hour ATM

Hylan Boulevard Banking Center

Address 2212 Hylan Boulevard Staten Island, NY 10306 Phone Numbers Phone: 718-351-0590 Fax: 718-351-0591 Directionsto Hylan Boulevard Banking Center

Lobby Hours Monday – Wednesday: 9:00am - 4:00pm Thursday & Friday: 9:00am - 6:00pm Saturday: 9:00am - 1:00pm 24 Hour Walk Up ATM Drive-Up Hours Monday: 8:00- 4:00pm Tuesday: 9:00am - 4:00pm Wednesday: 8:00am - 4:00pm Thursday & Friday: 9:00am - 6:00pm  Saturday: 9:00am - 1:00pm Drive- UP ATM

Victory Boulevard Banking Center

Address 1698 Victory Boulevard Staten Island, NY 10314 Phone Numbers Phone: 718-303-6900 Fax: 718-303-6910 Directionsto Victory Boulevard Banking Center

Lobby Hours Monday – Wednesday: 8:30am – 5:00pm Thursday & Friday: 8:30am – 6:00pm Saturday: 8:30am – 2:00pm 24 Hour ATM

3rd Avenue Banking Center

Address 8701 Third Avenue Brooklyn, NY 11209 Phone Numbers Phone: 347-695-9040 Fax: 718-748-2585 Directionsto 3rd Avenue Banking Center

Lobby Hours Monday – Wednesday: 9:00am - 5:00pm Thursday & Friday: 9:00am - 6:00pm Saturday: 9:00am - 1:00pm 24 Hour ATM

18th Avenue Banking Center

Address 6923 18th Avenue Brooklyn, NY 11204 Phone Numbers Phone: 718-942-3636 Fax: 718-942-3620 Directionsto 18th Avenue Banking Center

Lobby Hours Monday – Wednesday: 9:00am - 5:00pm Thursday & Friday: 9:00am - 6:00pm Saturday: 10:00am - 3:00pm 24 Hour ATM

* Annual Percentage Yield (APY) of 4.50% is effective as of January 18, 2023 and is offered for Access certificate of deposit (CD) and IRA CD accounts with a term of 11 months opened during the promotional period. A minimum opening balance of $1,000 is required to earn interest and to obtain the promotional APY. No penalty will be imposed on the 11 Month CD if withdrawal occurs after 7 months from opening date. A penalty may be imposed for early withdrawal of funds prior to 7 months. Only one withdrawal without penalty is permitted after the 7-month period. Interest is compounded daily and paid at maturity. Fees may reduce earnings on the account. The sum of your total deposits with Empire State Bank are insured up to $250,000. Additional coverage may be available depending on how you title your assets. Promotion is subject to change or withdrawn at any time without notice. Deposit products offered by Empire State Bank, Member FDIC.