Empire State Bank: Messenger Service Branch

Orange/Ulster/dutchess Cts
Newburgh, NY 12550

Notable Rates	Vs. Others
Savings 1.25%	4.60% →
1-Year CD 3.85%	4.59% →
2-Year CD 3.00%	4.00% →
5-Year CD 3.00%	4.00% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

Visit Empire State Bank

Your Location:
Farmington,Missouri

Empire State Bank : Messenger Service Branch — distance 913.9 mi

Deposit Rates - December 16, 2025

Savings and Money Market Rates	APY	MIN	MAX
SAV	1.25%	$2,500	-	Learn More Reviews
SAV	0.20%	$100,000	-	Learn More Reviews
Money Market	0.20%	$100,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	3.90%	$1,000	-	Learn More Reviews
11 Month CD	3.80%	$1,000	-	Learn More Reviews
12 Mo CD	3.85%	$1,000	-	Learn More Reviews
15 Month CD	3.00%	$1,000	-	Learn More Reviews
18 Mo CD	3.00%	$1,000	-	Learn More Reviews
24 Mo CD	3.00%	$1,000	-	Learn More Reviews
36 Mo CD	3.00%	$1,000	-	Learn More Reviews
48 Mo CD	3.00%	$1,000	-	Learn More Reviews
60 Mo CD	3.00%	$1,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	0.35%	$25,000	$99,999	Learn MoreShow Less

Loan Rates - December 16, 2025

There are currently no loan rates available for Empire State Bank:Messenger Service Branch

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 408902	5.849%	5.750% 0.75 points $3,457 fees	$1,868	Learn More
NMLS ID: 757416	5.966%	5.875% 1.00 points $3,149 fees	$1,893	Learn More
NMLS ID: 613839	6.108%	5.990% 0.63 points $4,063 fees	$1,917	Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

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