APY on $10,000
1.00%
As of Nov 1, 2026. Rates are variable.
ESL · Savings account
ESL Tiered Savings
−$140 a year on $10,000 at today’s 1.00% APY. $20 a month. $10,000 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 1, 2026
Issuer document · esl.org · PDF
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 1.00%
- Monthly fee, a year
- $240
- A year
- −$140
- APY on $10,000
- Receipt · APYChecked Nov 1, 2026
Issuer document · esl.org · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Oct 12, 2026
Issuer document · esl.org · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · esl.org
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Against the market
How it ranks
#268of 270 savings accounts, by a year’s value on $10,000
All 270 savings accounts, rankedFeatures
- Bill pay
- Branch access
- Cash deposit ATM
- Interest bearing
- Mobile check deposit
- Online opening
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0 to $50,000
- 1.00%
- $50,000 to $100,000
- 1.20%
- $100,000 to $250,000
- 1.45%
- $250,000 to $1,000,000
- 1.80%
- $1,000,000 and up
- 2.10%
The bank’s rates · as of Nov 1, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $1esl.org, checked Nov 1, 2026
Fees
- Monthly fee
- $20 a monthesl.org, checked Oct 12, 2026
- Ways to avoid the monthly fee
- No minimum balance fees with an average monthly balance of $50,000 or more.esl.org, checked Nov 1, 2026
- Minimum to open
- $10,000esl.org, checked Nov 1, 2026
- Overdraft fee
- $5esl.org, checked Oct 12, 2026
- Returned item (NSF) fee
- Noneesl.org, checked Oct 12, 2026
- Overdraft transfer fee
- $5esl.org, checked Oct 12, 2026
- Out-of-network ATM fee
- $2.50esl.org, checked Oct 12, 2026
- Foreign transaction fee (debit card)
- 1%esl.org, checked Oct 12, 2026
- Incoming domestic wire
- $15esl.org, checked Oct 12, 2026
- Outgoing domestic wire
- $25esl.org, checked Oct 12, 2026
- Incoming international wire
- $15esl.org, checked Oct 12, 2026
- Outgoing international wire
- $45esl.org, checked Oct 12, 2026
- Inactivity fee
- $5esl.org, checked Oct 12, 2026
- Cashier’s check
- $5esl.org, checked Oct 12, 2026
- Stop payment
- Noneesl.org, checked Oct 12, 2026
- Card replacement
- Noneesl.org, checked Oct 12, 2026
Who can open it
- Membership
- Membership required:esl.org, checked Nov 1, 2026
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money