ESLSavings accountChecked Oct 10, 2026Updated
ESL Tiered Savings
1.00%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- −$140 after fees
- Monthly fee
- $20 a month
- On our list
- #232 of 234 savings accounts, by a year’s value on $10,000
Visit ESLThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 1.00% | −$230 |
| $5,000 | 1.00% | −$190 |
| $10,000 | 1.00% | −$140 |
| $25,000 | 1.00% | $10 |
| $50,000 | 1.20% | $600 |
| $100,000 | 1.45% | $1,450 |
Rates by balance
| Balance | APY |
|---|---|
| $0 to $50,000 | 1.00% |
| $50,000 to $100,000 | 1.20% |
| $100,000 to $250,000 | 1.45% |
| $250,000 to $1,000,000 | 1.80% |
| $1,000,000 and up | 2.10% |
Source: the bank’s rates · as of Oct 10, 2026
Fees
- Monthly fee
- $20 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Average balance for month < $50,000Source · checked Oct 10, 2026
- Overdraft fee
- $5Source · checked Oct 10, 2026
- Returned item (NSF) fee
- NoneSource · checked Oct 10, 2026
- Overdraft transfer fee
- $5Source · checked Oct 10, 2026
- Out-of-network ATM fee
- $2.50Source · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 1%Source · checked Oct 10, 2026
- Incoming domestic wire
- $15Source · checked Oct 10, 2026
- Outgoing domestic wire
- $25Source · checked Oct 10, 2026
- Incoming international wire
- $15Source · checked Oct 10, 2026
- Outgoing international wire
- $45Source · checked Oct 10, 2026
- Inactivity fee
- $5Source · checked Oct 10, 2026
- Cashier’s check
- $5Source · checked Oct 10, 2026
- Stop payment
- NoneSource · checked Oct 10, 2026
- Card replacement
- NoneSource · checked Oct 10, 2026
Who can open it
- Membership
- Membership required:Source · checked Oct 10, 2026
Features
Bill payZelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money