Special Rates Exclusively From Empire State Bank


7 Month CD/IRA CD

4.95% APY*

$1,000 minimum opening balance

Premier Savings Account

Available for Personal and Business

5.00% APY**

$25,000.00 minimum opening balance


If you would like an Empire State Bank representative to reach out to you, please fill out the form:

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*Annual Percentage Yield (APY) of 4.95% or 4.83% interest rate is effective as of May 28, 2024, and is offered for certificate of deposit (CD) and IRA CD accounts with a term of 7 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. 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. 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 Promotion is subject to change or withdrawn at any time without notice.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.

**Annual Percentage Yield (APY) is in effect March 25, 2024. All rates and APYs are subject to change after the rate guarantee period. This offer is applicable to new and existing customers. A minimum opening deposit of $25,000.00 is required to open the Empire State Bank Smart Saver Plus savings account. The following total account balance tiers and APYs are accurate as of March 25, 2024. Accounts with balances of $50,000.00 to $5,000,000.00 will earn 5.00% APY or 4.88% interest rate. Accounts with balances under $50,000.00 will earn 0.05% APY or 0.05% interest rate. Accounts with balances of $5,000,000.01 to $6,000,000.00 will earn 4.00% APY or 3.92% interest rate. Accounts with balances above $6,000,000.00 will earn 2.50% APY or 2.47% interest rate. In each month the account is open, if the balance falls below $25,000.00 on any given day, a monthly fee of $15 will be debited from the account. Fees may reduce earnings. Interest will be compounded daily and credited to your savings account monthly. One account per Social Security Number, regardless of tax ownership. One account per Tax Identification Number and Employer Identification Number. Empire State Bank, Member FDIC. Equal Opportunity Lender

*** 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 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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