EmigrantDirect.com

Deposits held and insured by Emigrant Bank (FL)

Overview / Commentary
800-836-1997
5 East 42nd Street
New York, NY 10017
Deposits held and insured by Emigrant Bank (FL)

EmigrantDirect is an online division of Emigrant Bank, an institution established in 1850 and headquartered in New York, NY. As an internet-only bank, EmigrantDirect offers its customers quick and safe access to their funds at any time through online banking.

At the time of this writing, EmigrantDirect offers only one deposit account product: a no-fee, interest-bearing online savings account. The bank also offers its customers access to the purchase of precious metals (primarily gold) through the bank. Funds deposited with EmigrantDirect are FDIC-insured (up to applicable limits) through the parent bank, Emigrant Bank. Of course, precious metals purchased through EmigrantDirect are not insured by the FDIC.

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Health
B

Data as of Q4 2024

Data displayed below is for insuring bank: Emigrant Bank (FL)
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Health Grade Components

Overall
FDIC Certificate #57083
Year Established2001
Employees477
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD4%
Annual Interest Income$427.2MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$6.23B$6.24B
LoansQ4 2024vs Q4 2023$4.24B$4.62B
DepositsQ4 2024vs Q4 2023$4.87B$4.7B
Equity CapitalQ4 2024vs Q4 2023$1.15B$1.43B
Loan Loss AllowanceQ4 2024vs Q4 2023$75.3MM$73.4MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$269.9MM$256.4MM
Real Estate OwnedQ4 2024vs Q4 2023$7.5MM$6MM
Rates
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EmigrantDirect.com Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$0-AmericanDream SavingsAccount

EmigrantDirect.com CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1k-6 Month CD
2.50%$1k-15 Month CD
2.25%$1k-16 - 59 Month CD
2.00%$1k-60 - 120 Month CD
Locations

EmigrantDirect.com is an Internet only bank and does not have branch locations. Its headquarters is located at 5 East 42nd Street - New York, NY 10017

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