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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.
* 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 Promotion is subject to change or withdrawn at any time without notice.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.