Eagle Bank savings, CD and money market rates
Eagle Bank's Platinum Savings Account advertises 2.00% APY. That is 1.62 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #523 of 3052 tracked savings rates by advertised APY.
Eagle Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 2.00% · Platinum Savings Account |
| Minimum to open | $25,000 · Platinum Savings Account |
| Against the national average | 1.62 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.85% · 6-16 months · 6-16 Month CD/IRA Special |
| Minimum to open | $10,000 · 6-16 months CD |
| Against the national average | 2.46 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | 3.49% · Platinum Money Market |
| Minimum to open | $20,000 · Platinum Money Market |
| Against the national average | 2.86 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 90191 · Everett, MA |
|---|---|
| Website | www.bankeagle.com |
| Branches | 6 branches in MA, ME |
| Availability | Available in MA, ME |
Eagle Bank savings, CD and money market rates
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Eagle Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 0.20% | $500 | 3 Month CD/IRA |
| 6 months | 0.25% | $500 | 6 Month CD/IRA |
| 6-16 months | 3.85% | $10,000 | 6-16 Month CD/IRA Special |
| 12 months | 0.30% | $500 | 12 Month CD/IRA |
| 15 months | 0.35% | $500 | 15 Month CD/IRA |
| 18-23 months | 0.35% | $500 | 18-23 Month CD/IRA |
| 24-35 months | 0.35% | $500 | 24-35 Month CD/IRA |
| 24 months | 0.35% | $500 | 2 Year Step-Up CD/IRA |
| 36-47 months | 0.65% | $500 | 36-47 Month CD/IRA |
| 36 months | 1.25% | $500 | 3 Year Double Play CD/IRA |
| 48 months | 0.65% | $500 | 48 Month CD/IRA |
| 60 months | 0.65% | $500 | 60 Month CD/IRA |
Interactive Tool
Calculate Savings for Eagle Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$3,262.20(7.9%)
- Total Contributions$13,000
- Initial Deposit$25,000
Projected Balance
$41,262.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Eagle Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Eagle Bank paid a higher average rate on savings and money market deposits than 79% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Eagle Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Platinum Savings Account | 2.00% | $25,000 | $25,000 | None | not stated | None | Tiered | |
| Passbook Savings | 0.05% | $25 | $0 | None | not stated | None | One rate | |
| Fine print: No transfers to another account or to a third party are permitted, so withdrawals must be made at a branch. Closing the account within 90 days of opening costs $25.00. | ||||||||
| Statement Savings | 0.05% | $25 | $0 | None | not stated | None | One rate | |
| Platinum Money Market | 3.49% | $20,000 | $20,000 | None | not stated | None | One rate | |
| Fine print: The account can only be opened with money new to Eagle Bank. If the balance falls below $20,000.00 the account stops earning interest. | ||||||||
| Premier Money Market | Up to 0.20% | $5,000 | $2,500 | None | not stated | None | Tiered | |
| Fine print: $5,000.00 is required to open the account. The lowest rate tier starts at $2,500.00, so it is reachable only after the balance has fallen below the opening minimum. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 3 Month CD/IRA | 3 months | 0.20% | $500 | not stated | not stated |
| 6 Month CD/IRA | 6 months | 0.25% | $500 | not stated | not stated |
| 6-16 Month CD/IRA Special | 6-16 months | 3.85% | $10,000 | not stated | not stated |
| Fine print: A limited-period promotional certificate. It renews automatically as a 12-month certificate at the regular 12-month rate, and principal cannot be withdrawn before maturity unless the bank agrees. | |||||
| 12 Month CD/IRA | 12 months | 0.30% | $500 | not stated | not stated |
| 15 Month CD/IRA | 15 months | 0.35% | $500 | not stated | not stated |
| 18-23 Month CD/IRA | 18-23 months | 0.35% | $500 | not stated | not stated |
| 24-35 Month CD/IRA | 24-35 months | 0.35% | $500 | not stated | not stated |
| 2 Year Step-Up CD/IRA | 24 months | 0.35% | $500 | not stated | not stated |
| Fine print: The rate can be raised once during the original term, to the rate then offered on a certificate of the same term. Principal cannot be withdrawn before maturity unless the bank agrees. | |||||
| 36-47 Month CD/IRA | 36-47 months | 0.65% | $500 | not stated | not stated |
| 3 Year Double Play CD/IRA | 36 months | 1.25% | $500 | not stated | not stated |
| Fine print: The rate can be raised twice during the original term, to the rate then offered on a certificate of the same term. Principal cannot be withdrawn before maturity unless the bank agrees. | |||||
| 48 Month CD/IRA | 48 months | 0.65% | $500 | not stated | not stated |
| 60 Month CD/IRA | 60 months | 0.65% | $500 | not stated | not stated |
Fine print for 9 CDs above: Principal cannot be withdrawn before maturity unless the bank agrees to the withdrawal when it is requested. The bank states that it does not usually permit one.
Opening and using the account
| Availability | Available in MA, ME |
|---|---|
| Footprint | 6 branches in MA, ME |
| Eligibility | not stated |
How Eagle Bank behaves over time
Every observation of the advertised Platinum Savings Account rate in the last 12 months was 2.00% (observed through Oct 14, 2026). The series includes promotional tiers where one applied.
- Platinum Savings Account
- The same as 30 days ago.
- 6-16 months CD
- The same as 30 days ago.
- Platinum Money Market
- The same as 30 days ago.
- Rate last changed
- Sep 6, 2026(effective date)
$10,000 at the 2.00% APY Eagle Bank advertises on Platinum Savings Account grows to $10,200 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,832 does today. See how the federal funds rate shapes savings rates.
Eagle Bank CD rates over time
Who is Eagle Bank?
| Headquarters | Everett, MA |
|---|---|
| Founded | 1889 |
| Scale | $709M assets · $618M deposits, $511M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 90191 |
| Charter state | Massachusetts · one of 91 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,323rd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 85% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Eagle Bank pays on deposits above.
Common questions about Eagle Bank
Is Eagle Bank FDIC insured?
Yes. Eagle Bank is FDIC insured under certificate 90191, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Eagle Bank?
Eagle Bank requires a minimum deposit of $25,000 to open its Platinum Savings Account, as observed on Oct 14, 2026. Check the bank's current terms before you open an account.
Does Eagle Bank have branches?
Yes. Eagle Bank operates 6 branches according to FDIC branch records, in addition to its website and mobile apps.
Eagle Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Eagle Bank | 2.00% | 2.30% | $25,000 | 6 branches in MA, ME |
| Century Bank | 2.00% | 0.77% | $2,000 | 9 branches in NM |
| Citizens Savings Bank | Up to2.00% | 1.62% | $100 | 3 branches in IA |
| Community National Bank in Monmouth | 2.00% | not stated | $100 | 1 branch in IL |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Eagle Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Massachusetts, nearest to Eagle Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Massachusetts, money market rates in Massachusetts, banks in Massachusetts, and savings rates in Maine.