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* Annual Percentage Yield (APY) of 4.90% or 4.78% interest rate is effective as of August 13, 2024, and is offered for certificate of deposit (CD) and IRA CD accounts with a term of 3 months opened during the promotional period. A minimum opening balance of $1,000 is required to earn interest and to obtain the promotional APY. Funds currently on deposit with Empire State Bank do not qualify for the stated promotional APY. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal of funds. Promotion is subject to change or withdrawn at any time without notice. Deposit products offered by Empire State Bank, Member FDIC.
** The sum of your total deposits with Empire State Bank are insured up to $250,000. Additional coverage may be available depending on how your assets are held. Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government