Deposit Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 5.00% →
2-Year CD N.A. 4.75% →
3-Year CD N.A. 4.60% →
4-Year CD N.A. 4.50% →
5-Year CD N.A. 4.55% →

2023 Overview

General Online Bank Information

Money that you deposit is held by East Boston Savings Bank. East Boston Savings Bank is an FDIC insured institution founded in 1991. It has approximately $6.13 billion in assets.

Deposits FDIC Insured Yes
Insured Bank East Boston Savings Bank
FDIC Certificate # 33510
Date Established 1991
Assets $6.29 billion
Loans $4.85 billion
Deposits $4.73 billion
Capital $0.76 billion

For a more detailed analysis of East Boston Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 2, 2023

Online CD Rates
Online CD Rates APY MIN MAX
6 Month CD
0.15% $2,500 - Learn More
15-Month CD Special
0.15% $1,000 - Learn More


Climate Initiatives

EBSB Direct is encouraged to provide us with this information. When we receive this information from the online bank, we will provide it here.

Customer Reviews for EBSB Direct

  • January 4, 2020 |

    Be aware, when cd comes due, they mail a check to your home which takes 7-10 business days. That is a long time to have money not drawing any interest.

  • January 2, 2019

    Online Savings Rates

    Be a good idea if they state ONLY IN BOSTON AREA first before ppl sign up only to be rejected.

  • December 27, 2018

    The excess withdrawal fee is an important one to be aware of. It's not the only fee that EBSB Direct can charge, however.

    You’ll also pay additional fees for wire transfers and statement copies.

    EBSB Direct Savings Account Fees
    Type Fee
    Monthly Maintenance Fee $3
    Excess pre-authorized withdrawals, transfers or checks $15
    Statements with check copies &/or deposit slips only $5/Statement
    Incoming wire transfer (domestic) $15
    Outgoing wire transfer (domestic) $40
    Stop Payment Fee

  • December 17, 2018 |

    This bank should not be classified as an online bank by BestCash Cow. Come on!

  • December 16, 2018

    I entered all of my information after which they indicated they do not open accounts in my state. Incompetence.

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