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ESB Bank (MN)


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.esbbanking.com
507-725-3329
115 North Highway 44/76
Caledonia, MN 55921

ESB Bank (MN) is headquartered in CALEDONIA and is the 121st largest bank in the state of Minnesota. It is also the 3,186th largest bank in the nation. It was established in 1909 and as of March of 2025, it had grown to 20 employees at 3 locations. ESB Bank (MN)'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 #10980
Year Established1909
Employees20
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD14.95%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$180.7MM$168.1MM
LoansQ1 2025vs Q1 2024$148MM$133.1MM
DepositsQ1 2025vs Q1 2024$154.5MM$140.4MM
Equity CapitalQ1 2025vs Q1 2024$17.5MM$16.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.6MM$1.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$646K$53K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
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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Always verify rates and promotions with the bank or credit union. We are not ESB Bank (MN); 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.

ESB Bank (MN) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$10k*-Statement Savings
OTHER TIERS: 0.30% → $0 - $5k | 0.35% → $5k - $10k
1.01%*$100k*-Health Savings Account
OTHER TIERS: 0.35% → $0 - $50k | 0.50% → $50k - $100k

ESB Bank (MN) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.89%*$50k*-Money Market
OTHER TIERS: 0.50% → $0 - $2.5k | 1.77% → $2.5k - $10k | 2.79% → $10k - $50k

ESB Bank (MN) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$10k*-Elite Checking
OTHER TIERS: 0.35% → $2.5k - $5k | 0.45% → $5k - $10k
1.01%*$10k*-Elite Business Checking
OTHER TIERS: 0.35% → $2.5k - $5k | 0.45% → $5k - $10k
0.50%*$10k*-Personal Interest Checking
OTHER TIERS: 0.35% → $2.5k - $10k

ESB Bank (MN) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.14%*$10k*-6 Month Compounding/Auto Deposit CD
OTHER TIERS: 4.04% → $1k - $10k
4.04%*$10k*-6 Month Check Plan CD
OTHER TIERS: 3.94% → $1k - $10k
4.00%*$10k*-1 Year Compounding/Auto Deposit CD
OTHER TIERS: 3.90% → $1k - $10k
4.00%*$10k*-18 Month Compounding/Auto Deposit CD
OTHER TIERS: 3.90% → $1k - $10k
3.90%*$10k*-1 Year Check Plan CD
OTHER TIERS: 3.80% → $1k - $10k
3.90%*$10k*-18 Month Check Plan CD
OTHER TIERS: 3.80% → $1k - $10k
3.85%*$10k*-2 Year Compounding/Auto Deposit CD
OTHER TIERS: 3.75% → $1k - $10k
3.85%*$10k*-3 Year Compounding/Auto Deposit CD
OTHER TIERS: 3.80% → $1k - $10k
3.85%*$10k*-4 Year Compounding/Auto Deposit CD
OTHER TIERS: 3.75% → $1k - $10k
3.85%*$10k*-5 Year Compounding/Auto Deposit CD
OTHER TIERS: 3.75% → $1k - $10k
3.75%*$10k*-2 Year Check Plan CD
OTHER TIERS: 3.65% → $1k - $10k
3.75%*$10k*-3 Year Check Plan CD
OTHER TIERS: 3.65% → $1k - $10k
3.75%*$10k*-4 Year Check Plan CD
OTHER TIERS: 3.65% → $1k - $10k
3.75%*$10k*-5 Year Check Plan CD
OTHER TIERS: 3.65% → $1k - $10k
3.03%*$10k*-3 Month Compounding/Auto Deposit CD
OTHER TIERS: 2.93% → $1k - $10k
2.93%*$10k*-3 Month Check Plan CD
OTHER TIERS: 2.83% → $1k - $10k

ESB Bank (MN) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.14%*$10k*-6 Month Compounding/Auto Deposit IRA
OTHER TIERS: 4.04% → $1k - $10k
4.04%*$10k*-6 Month Check Plan IRA
OTHER TIERS: 3.94% → $1k - $10k
4.00%*$10k*-1 Year Compounding/Auto Deposit IRA
OTHER TIERS: 3.90% → $1k - $10k
4.00%*$10k*-18 Month Compounding/Auto Deposit IRA
OTHER TIERS: 3.90% → $1k - $10k
3.90%*$10k*-1 Year Check Plan IRA
OTHER TIERS: 3.80% → $1k - $10k
3.90%*$10k*-18 Month Check Plan IRA
OTHER TIERS: 3.80% → $1k - $10k
3.85%*$10k*-2 Year Compounding/Auto Deposit IRA
OTHER TIERS: 3.75% → $1k - $10k
3.85%*$10k*-3 Year Compounding/Auto Deposit IRA
OTHER TIERS: 3.80% → $1k - $10k
3.85%*$10k*-4 Year Compounding/Auto Deposit IRA
OTHER TIERS: 3.75% → $1k - $10k
3.85%*$10k*-5 Year Compounding/Auto Deposit IRA
OTHER TIERS: 3.75% → $1k - $10k
3.75%*$10k*-2 Year Check Plan IRA
OTHER TIERS: 3.65% → $1k - $10k
3.75%*$10k*-3 Year Check Plan IRA
OTHER TIERS: 3.65% → $1k - $10k
3.75%*$10k*-4 Year Check Plan IRA
OTHER TIERS: 3.65% → $1k - $10k
3.75%*$10k*-5 Year Check Plan IRA
OTHER TIERS: 3.65% → $1k - $10k
3.03%*$10k*-3 Month Compounding/Auto Deposit IRA
OTHER TIERS: 2.93% → $1k - $10k
2.93%*$10k*-3 Month Check Plan IRA
OTHER TIERS: 2.83% → $1k - $10k
Locations


ESB Bank (MN) Locations
Eitzen Office108 Iowa Avenue BranchEitzen, MN 55931
Eitzen State Bank115 North Highway 44/76Caledonia, MN 55921
La Crescent Branch109 South Walnut StreetLa Crescent, MN 55947

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