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EBSB Direct

Popular Accounts at this Bank

1.56%18-month CD16 Month CD
2.21%3-year CD30 Month CD
1.39%Money MarketMoney Market Direct

Overview / Commentary
10 Meridian Street
Boston, MA 02128

Related Posts

Competitive Rates on Money Market and 30-Month CD at EBSB Direct - 9/14/2017

EBSB Direct has added a Money Market Direct (1.39% APY, $50k+; 0.20% APY, $5k-$50k). $5k min deposit new money. Also a 30-month CD (2.21% APY), $1k min, new money

$50K+ MM 1.39% 30 Month CD 2.21% - 9/13/2017

EBSB Direct has some new Promos, these are best https://www.depositaccounts.com/banks/ebsb-direct.html#newPromo

EBSB Direct Reopens Money Market Special 3 - 6/30/2017

EBSB Direct (internet bank) has re-opened its Money Market Special 3 (1.25% APY, $10k min/$2m max). Minimum opening deposit is $2.5k of new money.

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Reviews (2)

Promo Rate With Closing Fee Not Fair!

Posted by: mashaun46 | Jul 5, 2017

Investor beware! Called customer service because I was interested in their 1.25% interest rate on their Money Market Special 3 accounts. Prior to calling I read their fee schedule included a Closing Fee of $25 if closed within 180 days. I asked customer service:

1. Is their 1.25% interest rate a promo rate? Answer: yes, which means they intend to drop their interest rate.
2. Does the $25 Closing Fee if closed within 180 days applies to this account? Answer: yes, which means that when they drop their interest rate, you're either stuck with their lower interest rate for the balance of 180 days, or forfeit $25 to close your account!

I don't consider that Fair Banking! Looking elsewhere.

Problems Funding Account

Posted by: kingpain | Jun 10, 2016

I don't usually review but I did have a strange experience with opening up an on-line money market account.

I opened it on-line and the next day linked it online to an account at another bank so I could fund this new account. It then took three business days before the trial test amounts appeared in the EBSB account so that I could link them. Once they appeared, I transferred the funds to the EBSB account. Five days later the funds came back. I called my bank and they said the EBSB account had been closed.

I called EBSB and it said that I hadn't funded my account quickly enough. I told it that I couldn't see how it was possible to fund it any more quickly than I had online.

Over the years I've had online accounts at several different banks and can't recall ever having this problem with another one.


Health Grade Components

FDIC Certificate #33510
Year Established1991
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD8.51%
Annual Interest Income$86.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$4.70B$3.86B
LoansQ2 2017vs Q2 2016$4.26B$3.51B
DepositsQ2 2017vs Q2 2016$3.68B$3.06B
Equity CapitalQ2 2017vs Q2 2016$490.8MM$442.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$43.2MM$38.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$10.5MM$28.7MM
Real Estate OwnedQ2 2017vs Q2 2016$0$183.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

$50K+ MM 1.39% 30 Month CD 2.21%

scottj   |  
EBSB Direct has some new Promos, these are best

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Always verify rates and promotions with the bank or credit union. We are not EBSB Direct; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

EBSB Direct Savings Account Rates

0.88%$5k-High Yield Savings Account

EBSB Direct Money Market Rates

1.39%*$50k*-Money Market Direct
OTHER TIERS: 0.20% $5k - $50k

EBSB Direct CD Rates

2.21%$1k-30 Month CD
1.78%$1k-20 Month CD
1.56%$1k-16 Month CD

EBSB Direct is an Internet only bank and does not have branch locations. Its headquarters is located at 10 Meridian Street - Boston, MA 02128