Rates

APY=Annual Percentage Yield. APR=Annual Percentage Rate.

Personal AccountsInterest RateAPYMinimum Balance
Elite Checking0.10%0.10%$2,500
Personal CheckingN/AN/A$1,000
Basic CheckingN/AN/A$0
Money Market Savings0.50%0.50%$5,000
Business AccountsInterest RateAPYMinimum Balance
Business Money Market0.50%0.50%$10,000
IOLA Checking0.10%0.10%$0
Professional CheckingN/AN/A$2,500
Business CheckingN/AN/A$10,000

Certificates of Deposit Interest RateAPYMinimum BalancePenalty
3 Month0.25%0.25%$50030 days penalty
1 Year0.75%0.75%$50090 days penalty
2 Year1.00%1.00%$50090 days penalty

Annual percentage yields are accurate as of 1/2/15. Rates and terms are subject to change and the rates on accounts other than a certificate of deposit (CD) may vary after the account is opened. Fees may reduce earnings. A penalty will be imposed on a CD for early withdrawal of principal.

Click here for information on our Infant Compromise/Court Appointed Account rates

Loan TypeInterest RateAPRMinimum to Maximum Balance
Home Equity Line of Credit**Prime +1.00% Floor Rate 5.00% Max 18.00%5.000%$25,000 to $250,000 Floor Rate 5.00%
Overdraft/LOC Personal18.000%18.000%$1,000 to $25,000
Overdraft/LOC Business18.000%N/A$25,000 to $400,000 depending on approval
Commercial Real EstateCall for RatesN/A$300,000 to $4,000,000
Standby Letter of Credit***2% min. -- $2,000N/A$100,000 to $1,250,000
Business LoansCall for RatesN/A

Rates are accurate as of 9/4/12. Rates are subject to change.

** Home Equity Line of Credit is a variable rate loan. 10 Year Draw-Interest Only/ 20 Year Repayment. Floor Rate 5.00%

Maximum Rate 18.00%. An early closure release fee may be charged to recover all costs incurred in originating your loan and may apply if you close your account within 36 months (not applicable in Texas.) Property insurance and the fee to release an existing mortgage may be required. Closing costs in New York can range from approximately $1,850 to $6,500, and vary based on the line amount, property location, and title insurance required.

***Determined by application, 2% negotiable with relationship. Full cash collateral on marketable securities.

All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Initial decision is subject to you meeting specific underwriting requirements and final approval will be based upon you satisfying those requirements. All loans and lines of credit are originated by Esquire Bank. Products not available in all states. Rates and terms are subject to change without notice.