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ESSA Bank & Trust


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.essabank.com
570-421-0531
200 Palmer Street
Stroudsburg, PA 18360-0160

ESSA Bank & Trust is headquartered in STROUDSBURG and is the 28th largest bank in the state of Pennsylvania. It is also the 553rd largest bank in the nation. It was established in 1916 and as of March of 2025, it had grown to 222 employees at 21 locations. ESSA Bank & Trust's money market rates are 7X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28262
Year Established1916
Employees222
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD6.14%
Annual Interest Income$25.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.17B$2.18B
LoansQ1 2025vs Q1 2024$1.76B$1.71B
DepositsQ1 2025vs Q1 2024$1.7B$1.46B
Equity CapitalQ1 2025vs Q1 2024$232.4MM$213.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$15MM$15.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8.1MM$10.8MM
Real Estate OwnedQ1 2025vs Q1 2024$3.7MM$3.2MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ESSA Bank & Trust Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$10k*-Premium Savings Account - New Money (Online Only)
OTHER TIERS: 0.05% → $100 - $10k
0.05%$100-Statement Savings
0.05%$100-Business Statement Savings

ESSA Bank & Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$250k*-ESSA Money Market
OTHER TIERS: 0.50% → $2.5k - $25k | 0.95% → $25k - $100k | 1.15% → $100k - $250k
1.50%*$500k*-Business Money Market
OTHER TIERS: 0.50% → $10k - $25k | 0.95% → $25k - $100k | 1.15% → $100k - $500k

ESSA Bank & Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$500k*-Non-Profit Checking
OTHER TIERS: 0.25% → $100 - $100k | 0.50% → $100k - $250k | 0.75% → $250k - $500k
0.10%*$100k*-Relationship Checking
OTHER TIERS: 0.05% → $10k - $100k
0.05%$1k-Business Plus Checking

ESSA Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$1k-182 Day CD
3.75%$1k-12 Month CD
3.70%$1k-9 Month CD
3.70%$1k-7 Month CD
3.60%$1k-11 Month CD
3.55%$1k-60 Month CD
3.50%$1k-18 Month CD
3.50%$1k-48 Month CD
3.45%$1k-24 Month CD
3.45%$1k-30 Month CD
3.45%$1k-36 Month CD
1.75%$1k-24 Month Step-Up CD
1.75%$1k-36 Month Step-Up CD
0.75%$1k-91 Day CD
0.75%$1k-12 Month Step-Up CD
0.50%$10k-30 Day CD

ESSA Bank & Trust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$250-12 Month IRA
3.55%$250-60 Month IRA
3.50%$250-18 Month IRA
3.50%$250-48 Month IRA
3.45%$250-24 Month IRA
3.45%$250-30 Month IRA
3.45%$250-36 Month IRA
Locations

Availability

Wilkes Barre Area

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