Rates

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

Personal Accounts Interest Rate APY Minimum Balance
Elite Checking 0.10% 0.10% $2,500
Personal Checking N/A N/A $1,000
Basic Checking N/A N/A $0
Money Market Savings 0.50% 0.50% $5,000
Business Accounts Interest Rate APY Minimum Balance
Business Money Market 0.50% 0.50% $10,000
IOLA Checking 0.10% 0.10% $0
Professional Checking N/A N/A $2,500
Business Checking N/A N/A $10,000
Certificates of Deposit Interest Rate APY Minimum Balance Penalty
3 Month 0.25% 0.25% $500 30 days penalty
1 Year 0.75% 0.75% $500 90 days penalty
2 Year 1.00% 1.00% $500 90 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 Type Interest Rate APR Minimum to Maximum Balance
Overdraft/LOC Personal 18.000% 18.000% $1,000 to $25,000
Overdraft/LOC Business 18.000% N/A $25,000 to $400,000 depending on approval
Multi-Family and Commercial Real Estate Call for Rates N/A $500,000 to $8,500,000
Litigation Finance Call for Rates N/A $500,000 to $8,500,000
Business Loans Call for Rates N/A  

Rates are accurate as of February 2018. 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.