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 Essex Savings Bank Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 5, 2026
Essex Savings Bank's 9-Month Certificate rates are at 3.61%, 18-Month Certificate rates are at 2.57%, 6-Month Certificate rates are at 1.53%, 7 Year Certificate rates are at 1.22%, 7 Year Certificate IRAs Excluded rates are at 1.22%. Essex Savings Bank's savings rates are at 0.15%. Essex Savings Bank's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of Essex Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.34%. Rates were last updated on 05/05/2026. Essex Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Essex Savings Bank? Share your experience about Essex Savings Bank by leaving a review below, or read customer reviews before you decide to use Essex Savings Bank. 
Essex Savings Bank CD Rates
Essex Savings Bank Savings Rates
Essex Savings Bank Money Market Rates
Essex Savings Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Essex Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Essex Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Essex Savings Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Essex Savings Bank
FDIC Certificate #
17262
Address
35 Plains Rd,
Essex, CT 06426 · Lower Connecticut River Valley
Website
https://www.essexsavings.com
Established
08/06/1851
FDIC Insurance Date
10/02/1953
Domestic Offices
8
Total Branches
8
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.34%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0470%
Return on Equity (ROE)
9.2200%
Non-Performing Loans (NPL)
0.04%
Total Assets
$519,868,000
Total Deposits
$434,739,000
Equity Capital
$73,557,000
Net Income
$4,703,000
Headquarters
Essex
Total Offices
8
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
There are no reviews for Essex Savings Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Essex Savings Bank
Frequently Asked Questions About Essex Savings BankIs Essex Savings Bank a safe place to deposit money?Yes, Essex Savings Bank is considered a safe financial institution. With a Texas Ratio of 0.34395244773926%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Essex Savings Bank operate?Essex Savings Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Essex Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Essex Savings Bank provides members with tools to manage their accounts and build a solid financial history. Does Essex Savings Bank offer online and mobile banking?Most modern institutions like Essex Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.essexsavings.com. Current Essex Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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