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Deposit Rates
Personal Banking
Equitable Savings & Loan believes banking should be more than just a business. Check out our lineup of deposit products.
Rates are current as of: Monday, October 27, 2025.
| TERM |
PENALTY |
MINIMUM
TO OPEN |
MINIMUM TO
EARN APY |
APY |
INTEREST
RATE |
*STATEMENT SAVINGS |
| STATEMENT SAVINGS |
|
50.00 |
50.00 |
0.10% |
0.10% |
CERTIFICATE OF DEPOSIT |
| 3-5 MONTH CD |
3 MO |
1,000.00 |
1,000.00 |
0.85% |
0.85% |
| 6-11 MONTH CD |
3 MO |
1,000.00 |
1,000.00 |
0.85% |
0.85% |
| 12-23 MONTH CD |
6 MO |
500.00 |
500.00 |
1.15% |
1.15% |
| 24-35 MONTH CD |
9 MO |
500.00 |
500.00 |
1.46% |
1.45% |
| 36-47 MONTH CD |
12 MO |
500.00 |
500.00 |
2.58% |
2.55% |
| 48-59 MONTH CD |
3 MO+ |
500.00 |
500.00 |
3.66% |
3.60% |
| 60-119 MONTH CD |
3 MO+ |
500.00 |
500.00 |
3.76% |
3.70% |
| 120 MONTH CD |
3 MO+ |
500.00 |
500.00 |
4.07% |
4.00% |
SUPER SAVER |
| 6-11 MONTH CD |
3 MO |
10,000.00 |
10,000.00 |
3.32% |
3.27% |
| 12-23 MONTH CD |
6 MO |
10,000.00 |
10,000.00 |
3.30% |
3.25% |
| 24-35 MONTH CD |
9 MO |
10,000.00 |
10,000.00 |
3.45% |
3.40% |
| 36-47 MONTH CD |
12 MO |
10,000.00 |
10,000.00 |
3.56% |
3.50% |
IRA/KEOGH FIXED |
| IRA 18 MONTH CD |
6 MO |
100.00 |
100.00 |
3.30% |
3.25% |
| EXISTING KEOGH 18 MONTH CD |
6 MO |
100.00 |
100.00 |
3.30% |
3.25% |
| 6 MONTH IRA |
3 MO |
2,000.00 |
2,000.00 |
3.32% |
3.27% |
| 12 MONTH IRA |
6 MO |
2,000.00 |
2,000.00 |
3.30% |
3.25% |
| 24 MONTH IRA |
9 MO |
2,000.00 |
2,000.00 |
3.45% |
3.40% |
| 36 MONTH IRA |
12 MO |
2,000.00 |
2,000.00 |
3.56% |
3.50% |
| 48 MONTH IRA |
3 MO+ |
2,000.00 |
2,000.00 |
3.66% |
3.60% |
| 60 MONTH IRA |
3 MO+ |
2,000.00 |
2,000.00 |
3.76% |
3.70% |
| 120 MONTH IRA |
3 MO+ |
2,000.00 |
2,000.00 |
4.07% |
4.00% |
IRA VARIABLE |
| *IRA 18 MONTH CD |
6 MO |
100.00 |
100.00 |
3.30% |
3.25% |
CHECKING |
| *NOW-CHECKING WITH INTEREST-PERSONAL |
|
200.00 |
200.00 |
0.02% |
0.02% |
| *NOW-CHECKING WITH INTEREST-NON-PERSONAL |
|
200.00 |
200.00 |
0.02% |
0.02% |
| *FREEDOM 55 CHECKING |
|
100.00 |
200.00 |
0.02% |
0.02% |
| BUSINESS CHECKING ACCOUNT |
|
100.00 |
N/A |
0.00% |
0.00% |
| VALUE CHECKING |
|
100.00 |
N/A |
0.00% |
0.00% |
| *MMA-PERSONAL |
Less than |
2,500.00 |
2,500.00 |
0.00% |
0.00% |
|
|
2,500.00 |
2,500.00 |
0.02% |
0.02% |
|
|
25,000.00 |
25,000.00 |
0.05% |
0.05% |
|
|
50,000.00 |
50,000.00 |
0.10% |
0.10% |
| *MMA-NONPERSONAL |
Less than |
2,500.00 |
2,500.00 |
0.00% |
0.00% |
|
|
2,500.00 |
2,500.00 |
0.02% |
0.02% |
|
|
25,000.00 |
25,000.00 |
0.05% |
0.05% |
|
|
50,000.00 |
50,000.00 |
0.10% |
0.10% |
JUMBO CERTIFICATE (Public funds must call for rate) |
| 3 MONTH |
|
100,000.00 |
100,000.00 |
0.85% |
0.85% |
| 6 MONTH |
|
100,000.00 |
100,000.00 |
3.27% |
3.27% |
| 12 MONTH |
|
100,000.00 |
100,000.00 |
3.25% |
3.25% |
JUMBO CERTIFICATE Reference Only (Public funds must call for rate) |
| 3 MONTH THRU 36 MONTH |
|
250,000.00 |
250,000.00 |
(Call for Rate) |
Ask for more information about these accounts.
* Variable rate - Annual Percentage Yield may change after account is opened.
Fees may reduce overall earnings.
A penalty may be imposed for early withdrawal.
Minimum balance required to avoid service charge.
APY stands for Annual Percentage Yield.
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FDIC-Insured — Backed by the full faith and credit of the U.S. Government