ESSA Bank CDs & IRAs Secure Savings & Retirement Options

CDs & IRAs

Whether you’re planning for the future or looking for a low-risk investment strategy, our experienced team is here to help you choose the right savings solution to meet your financial goals.

Traditional Certificate of Deposit

A CD allows you to earn a higher rate of interest on your savings. You pre-select the length of time, or term of the CD.

$500 Minimum Deposit to Open
Terms: 1 Month to 5 Years
Earns Interest

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Choosing Festive Present. Smiling african american lady showing her smartphone to boyfriend or husband, pointing at screen, guy holding shopping bags, standing outside on the street. Discount And Sale

At Ease Certificate of Deposit

This short-term Certificate of Deposit is designed to help veterans, active service members, and their families to grow their money without tying it down for a long time.

12-month Term
$500 to Open
At the end of your certificate’s term, withdraw your money and the interest you’ve earned, or let your CD roll over into another 12-month term.

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Military identification is required to qualify for the At Ease account package features and benefits. Veterans, Active Duty Service Members and their families (including surviving spouses of a deceased veteran, beneficiaries, and caregivers) qualify.

IRA Savings

The Roth IRA is a nondeductible retirement account that features tax-free withdrawals (including earnings) for particular distribution reasons after a five year holding period.

$100 Minimum Deposit to Open
Make Deposits at Your Own Pace (Subject to annual contribution limits)
IRA holders age 50 or over are eligible for catch-up contributions.
No IRS Penalty or Federal Income Taxes for withdrawal of regular principal contributions prior to the age 59½
Competitive Interest Rates Subject to Change Quarterly

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IRA Certificate of Deposit

The Roth is a nondeductible account that features tax-free withdrawals (including earnings) for certain distribution reasons after a five year holding period. Pre-select the term of your CD.

$2,000 Minimum Deposit to Open ($2,500 for 7 year terms)
Annual Contribution Amounts (subject to limitations)
No IRS Penalty or Federal Income Taxes for withdrawal of regular principal contributions prior to the age 59½
No Required Minimum Distributions
Terms: 1 to 7 Years
Earns Interest

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Livestock CD

Save the Proceeds from Your Livestock Sale.

0.25% APY* for 6 months
Plus, we’ll add 10% (up to $25) extra to the CD, and 10% (up to $25) to the livestock organization of your choice!

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*$100 minimum to open and earn interest. Annual Percentage Yield (APY) is accurate as of October 31, 2025. 1099-INT will be required. Interest is compounded and credited quarterly. This certificate will automatically renew at the current 6 month CD rate. Penalty for early withdrawal. Fees could reduce earnings. Account is available to persons under the age 19 (those under the age 16 must be opened with an adult) and must be opened with a fair livestock check and within 6 months of check issuance. Bonus provided at CD opening.