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ESSA Bank & Trust


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 3/20/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 547th largest bank in the nation. It was established in 1916 and as of December of 2024, it had grown to 232 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28262
Year Established1916
Employees232
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.43%
Annual Interest Income$103.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$2.19B$2.22B
LoansQ4 2024vs Q4 2023$1.76B$1.7B
DepositsQ4 2024vs Q4 2023$1.71B$1.6B
Equity CapitalQ4 2024vs Q4 2023$228.1MM$209.8MM
Loan Loss AllowanceQ4 2024vs Q4 2023$15.1MM$15.4MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$8.5MM$11MM
Real Estate OwnedQ4 2024vs Q4 2023$3.2MM$3.2MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 3/20/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/20/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
3.20%*$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
4.00%$1k-182 Day CD
4.00%$1k-12 Month CD
3.90%$1k-9 Month CD
3.90%$1k-7 Month CD
3.80%$1k-11 Month CD
3.60%$1k-18 Month CD
3.60%$1k-24 Month CD
3.55%$1k-30 Month CD
3.55%$1k-36 Month CD
3.55%$1k-48 Month CD
3.55%$1k-60 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
4.00%$250-12 Month IRA
3.60%$250-18 Month IRA
3.60%$250-24 Month IRA
3.55%$250-30 Month IRA
3.55%$250-36 Month IRA
3.55%$250-48 Month IRA
3.55%$250-60 Month IRA
Locations

Availability



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