El Dorado Savings Bank, F.S.B.

Overview / Commentary
4040 El Dorado Road
Placerville, CA 95667

El Dorado Savings Bank, F.S.B. is headquartered in PLACERVILLE and is the 35th largest bank in the state of California. It is also the 488th largest bank in the nation. It was established in 1956 and as of December of 2023, it had grown to 256 employees at 35 locations. El Dorado Savings Bank, F.S.B. has a B+ health rating.

Reviews (2)

Eldorado options

My experience with being a customer of this bank has always been very positive. I think that the bank teller staff at this bank is always friendly and courteous to me, and it appears to all people that go into the bank too. Another good thing about this bank is that they always give me very prompt and efficient service, with little to no lines to ever wait in, they never waste my time there. They always have plenty of people on staff at the bank, ready to assist me whenever I need it. I feel that this bank is a good one to use, with many different available options for my banking needs. This bank also has options to avoid fees, and has even allowed me one time to avoid getting a fee as well too. I think that they are one of the best local banks to bank with.


El Dorado Savings Bank is great if you're a local. They don't have many locations, but the ones they have are conveniently located, especially the branches where there aren't many other banks or ATMs around (for instance, the Rancho Murieta location). The customer service has always been phenomenal. When you call the phone number on the back of your card, a person actually answers right away. I love that level of personal customer service.

The main issues I've experienced with El Dorado Savings Bank involve convenience. As a result, it became difficult for me to keep them as my primary bank and I ended up switching to a national bank. While I'm happy with my current bank, I'd love if El Dorado Savings did a few things to make it easier to have them as my primary bank. For instance, not having ATM fee reimbursement is pretty ridiculous when you only have a handful of branches. Even when I'm not traveling out of the area, Sacramento is extremely sprawled out and I'd end up spending the same amount in gas trying to avoid an ATM fee.

I also wish they had a more comprehensive online banking service. I understand that this is a small local bank but again, when you only have several locations, I need to be able to do a lot more online so I don't have to drive across town.

Some of the above and beyond customer service they've had in the past has lessened--they're less forgiving about fees and have tightened up certain benefits to having accounts with them. I understand that this was probably a necessity and that people were taking advantage of these services, but I feel they need to do more to compete with large national banks.


Health Grade Components

FDIC Certificate #30953
Year Established1956
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD8.11%
Annual Interest Income$66.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.45B$2.73B
LoansQ4 2023vs Q4 2022$549.2MM$570.1MM
DepositsQ4 2023vs Q4 2022$2.14B$2.44B
Equity CapitalQ4 2023vs Q4 2022$296.1MM$277.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$6MM$6.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.3MM$2MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

El Dorado Savings Bank, F.S.B. Savings Account Rates

0.03%$300-Regular Savings
0.03%$300-Business Regular Savings

El Dorado Savings Bank, F.S.B. Money Market Rates

0.10%*$1m*-Investor's Money Market Checking
OTHER TIERS: 0.01% $5k - $15k | 0.03% $15k - $25k | 0.04% $25k - $50k | 0.06% $50k - $100k | 0.08% $100k - $1m
0.10%*$1m*-Gold Money Market Savings
OTHER TIERS: 0.03% $5k - $15k | 0.04% $15k - $25k | 0.06% $25k - $50k | 0.08% $50k - $100k | 0.09% $100k - $1m
0.10%*$1m*-Business Money Market Savings
OTHER TIERS: 0.01% $5k - $15k | 0.02% $15k - $25k | 0.04% $25k - $50k | 0.06% $50k - $100k | 0.08% $100k - $1m

El Dorado Savings Bank, F.S.B. Checking Account Rates

0.02%$500-Interest Checking
0.02%$2.5k-Business Interest Checking

El Dorado Savings Bank, F.S.B. CD Rates

4.55%$99k-270-365 Day Jumbo CD
4.55%$99k-Business 270-365 Day Jumbo CD
4.50%$10k-14 Month CD
4.50%$10k-Business 14 Month CD
4.05%$99k-180-239 Day Jumbo CD
4.05%$99k-Business 180-239 Day Jumbo CD
4.00%$10k-7 Month CD
4.00%$10k-Business 7 Month CD
2.55%$99k-90-119 Day Jumbo CD
2.55%$99k-Business 90-119 Day Jumbo CD
2.50%*$10k*-3 Month CD
OTHER TIERS: 0.10% $500 - $10k
2.50%$10k-Business 3 Month CD
1.00%$99k-5 Year Jumbo CD
1.00%$99k-Business 5 Year Jumbo CD
0.90%$500-60 Month CD
0.90%$500-Business 60 Month CD
0.60%$99k-3 Year Jumbo CD
0.60%$99k-Business 3 Year Jumbo CD
0.55%$500-36 Month CD
0.55%$99k-2 Year Jumbo CD
0.55%$500-Business 36 Month CD
0.55%$99k-Business 2 Year Jumbo CD
0.50%$500-30 Month CD
0.50%$500-Business 30 Month CD
0.45%$1k-25 Month CD
0.45%$1k-Business 25 Month CD
0.40%$500-24 Month CD
0.40%$500-Business 24 Month CD
0.30%$10k-15 Month CD
0.30%$500-18 Month CD
0.30%$10k-Business 15 Month CD
0.30%$500-Business 18 Month CD
0.23%$99k-240-269 Day Jumbo CD
0.23%$99k-Business 240-269 Day Jumbo CD
0.20%$10k-9 Month CD
0.20%$10k-10 Month CD
0.20%$500-12 Month CD
0.20%$10k-Business 9 Month CD
0.20%$10k-Business 10 Month CD
0.20%$500-Business 12 Month CD
0.18%$10k-8 Month CD
0.18%$99k-150-179 Day Jumbo CD
0.18%$10k-Business 8 Month CD
0.18%$99k-Business 150-179 Day Jumbo CD
0.16%$500-6 Month CD
0.16%$500-Business 6 Month CD
0.15%$10k-4 Month CD
0.15%$10k-5 Month CD
0.15%$99k-120-149 Day Jumbo CD
0.15%$10k-Business 4 Month CD
0.15%$10k-Business 5 Month CD
0.15%$99k-Business 120-149 Day Jumbo CD
0.10%$1k-2 Month CD
0.10%$99k-60-89 Day Jumbo CD
0.10%$1k-Business 2 Month CD
0.10%$500-Business 3 Month CD
0.10%$99k-Business 60-89 Day Jumbo CD
0.08%$99k-30-59 Day Jumbo CD
0.08%$99k-Business 30-59 Day Jumbo CD
0.05%$10k-1 Month CD
0.05%$10k-Business 1 Month CD

El Dorado Savings Bank, F.S.B. IRA Rates

0.50%$250-18 Month IRA CD
0.50%$250-Business 18 Month IRA CD


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