Exchange State Bank: Savings Accounts, CDs, Money Market & Rates
Mission: Banksparency aims to make Exchange State Bank's deposit accounts transparent and comparable to the market.
Analysis of Exchange State Bank
Our verdict
CD Analysis
Exchange State Bank offers CDs paying up to 4.25% APY on its 48 months term, across 10 term lengths.
Tracking 10 active CD products, useful for locking in today's rate before further moves at the Fed.
- Best CD use: locking in 4.25% APY for a 48 months term and laddering across multiple maturities.
Exchange State Bank also offers a money market account paying 1.00% APY with a $2,500 minimum deposit.
At 1.00% APY, Exchange State Bank pays above the national money market average of 0.63%.
Additional Accounts
- Regular Savings, a savings account at 0.15% APY.
- Safari Savings Club, a club savings account at 0.20% APY.
- Health Savings Account, a health savings account (HSA) at 0.15% APY.
Ideal User Profile
- Best for: simple saving without extra requirements.
IRA Analysis
Exchange State Bank also offers an IRA savings account paying up to 0.65% APY.
Tracking 1 active IRA savings product, useful for tax-advantaged retirement savings.
- Best IRA use: tax-advantaged retirement saving.
Important Considerations
Deposit Accounts Overview
Safari Savings Club
Health Savings Account
Regular Savings
Money Market Account
IRA
Market Reality Check
This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Deposit Accounts: In-Depth View
Savings Accounts Offered by Exchange State Bank
| Feature | Safari Savings Club | Regular Savings | Health Savings Account |
|---|---|---|---|
APY | 0.20%Verified: 8/21/2026 | 0.15%Verified: 8/21/2026 | 0.15%Range: 0.10% - 0.15%Verified: 8/21/2026 |
APY Trend | N/A | N/A | N/A |
Min. Deposit | $10 | $100 | N/A |
Min. Balance | N/A | N/A | N/A |
Monthly Fee | N/A | N/A | N/A |
Direct Deposit | None | None | None |
Checking Bundle | No | No | No |
In-Branch Access | Yes | Yes | Yes |
Compounding | unknown | unknown | unknown |
FDIC Insured | Yes | Yes | Yes |
Eligibility | United States | United States | United States |
| Next Steps | - | - | - |
Interactive Tool
Calculate Savings for Exchange State Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$74.70(0.5%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,074.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Exchange State Bank Deposit Rates Over Time
No historical data available.
Compare with Exchange State Bank
| Feature | Current View Exchange State Bank | Empty Slot |
|---|---|---|
| Product | - | |
APY | 0.20%Verified: 8/21/2026 | - |
APY Trend | N/A | - |
| Min. Deposit | $10 | N/A |
| Monthly Fee | N/A | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| In-Branch Access | Yes | - |
| Eligibility | United States | - |
Compounding | unknown | - |
FDIC or NCUA Insured | Yes | - |
| Next Steps | - | - |
CD Overview
CD Products Offered by Exchange State Bank
| Feature | 6 Months CD 6 months | 9 Months CD 9 months | 12 Months CD 12 months | 18 Months CD 18 months | 24 Months CD 24 months | 30 Months CD 30 months | 36 Months CD 36 months | 42 Months CD 42 months | 48 Months CD 48 months | 60 Months CD 60 months |
|---|---|---|---|---|---|---|---|---|---|---|
APY | 4.00%Verified: 8/21/2026 | 3.55%Verified: 8/21/2026 | 3.55%Verified: 8/21/2026 | 3.25%Verified: 8/21/2026 | 2.50%Verified: 8/21/2026 | 2.50%Verified: 8/21/2026 | 2.50%Verified: 8/21/2026 | 2.50%Verified: 8/21/2026 | 4.25%Verified: 8/21/2026 | 2.50%Verified: 8/21/2026 |
Term | 6 months | 9 months | 12 months | 18 months | 24 months | 30 months | 36 months | 42 months | 48 months | 60 months |
Min. Deposit | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
Early Withdrawal | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
FDIC Insured | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Exchange State Bank CD Rates Over Time
Money Market Accounts Offered by Exchange State Bank
| Feature | Money Market Account |
|---|---|
APY | 1.00%Range: 0.50% - 1.00%Verified: 8/21/2026 |
Min. Deposit | $2,500 |
Min. Balance | N/A |
Monthly Fee | N/A |
Direct Deposit | None |
In-Branch Access | Yes |
Compounding | unknown |
FDIC Insured | Yes |
Eligibility | United States |
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