Emigrant Bank
For information concerning My Savings Direct, a division of Emigrant Bank, a subsidiary
of Emigrant Bank, please see the
My Savings Direct, a division of Emigrant Bank page here.
Branches
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Your current location is: California, San Diego
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Emigrant Bank Locations
Deposit Rates - March 3, 2021
SAVINGS RATES | APY | MIN | MAX | |
---|---|---|---|---|
Savings
|
0.40% | $2,500 | $4,999 | Compare |
CD RATES | APY | MIN | MAX | |
---|---|---|---|---|
6 Mo CD
|
0.50% | $10,000 | $14,999 | Compare |
6 Mo CD
|
0.50% | $100,000 | $199,999 | Compare |
12 Mo CD
|
0.70% | $10,000 | $14,999 | Compare |
12 Mo CD
|
0.70% | $100,000 | $199,999 | Compare |
18 Mo CD
|
1.00% | $10,000 | $14,999 | Compare |
18 Mo CD
|
1.00% | $100,000 | $199,999 | Compare |
24 Mo CD
|
1.10% | $10,000 | $14,999 | Compare |
24 Mo CD
|
1.10% | $100,000 | $199,999 | Compare |
30 Mo CD
|
1.10% | $10,000 | $14,999 | Compare |
30 Mo CD
|
1.10% | $100,000 | $199,999 | Compare |
36 Mo CD
|
1.20% | $10,000 | $14,999 | Compare |
36 Mo CD
|
1.20% | $100,000 | $199,999 | Compare |
48 Mo CD
|
1.20% | $10,000 | $14,999 | Compare |
48 Mo CD
|
1.20% | $100,000 | $199,999 | Compare |
Special: 60 Mo CD
|
1.20% | $1,000 | - | Compare |
60 Mo CD
|
1.20% | $10,000 | $14,999 | Compare |
60 Mo CD
|
1.20% | $100,000 | $199,999 | Compare |
MM RATES | APY | MIN | MAX | |
---|---|---|---|---|
Money Market
|
0.40% | $2,500 | $2,999 | Compare |
Money Market
|
0.40% | $10,000 | $14,999 | Compare |
Money Market
|
0.40% | $25,000 | $29,999 | Compare |
INT CHECKING RATES | APY | MIN | MAX | |
---|---|---|---|---|
Int Ckg
|
0.15% | $1 | $99 | |
Int Ckg
|
0.25% | $2,500 | $3,499 |
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Overview 2021
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 12054 |
Date Established | 1850 |
Assets | $ 6.38 billion |
Loans | $ 4.39 billion |
Deposits | $ 4.87 billion |
Capital | $ 1,233.31 million |
Summary Balance Sheet
ASSETS | |
Cash & Balances due from depository institutions | $ 919.02 million |
Interest-bearing balances | $ 904.33 million |
Total securities | $ 375.71 million |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 4.39 billion |
Loan loss allowance | $ 83.25 million |
Trading account assets | $ 2.63 million |
Bank premises and fixed assets | N.A. |
Other real estate owned | $ 8.58 million |
Goodwill and other intangibles | $ 104.49 million |
All other assets | $ 460.42 million |
Total Assets | $ 5.15 billion |
LIABILITIES | |
Total deposits | $ 4.87 billion |
Interest-bearing deposits | $ 4.71 billion |
Deposits held in domestic offices | $ 4.87 billion |
% insured (estimated) | 90.98% |
Federal funds purchased and repurchase agreements | N.A. |
Trading liabilities | N.A. |
Other borrowed funds | $ 202.90 million |
Subordinated debt | N.A. |
All other liabilities | $ 78.66 millionn |
Total Liabilities | $ 5.15 billion |
Shareholders’ Equity | $ 1,233.31 million |
Summary Income Statement
INCOME AND EXPENSES | |
Total Interest Income | $ 208.09 million |
Total Interest Expense | $ 34.10 million |
Net interest income | $ 173.99 million |
Provision for loan and lease losses | $ 21.66 million |
Total non interest income | $ 28.21 million |
Total non interest expense | $ 140.91 million |
Pre-tax Net Operating Income | $ 39.64 million |
Emigrant Bank is an FDIC insured institution headquartered at
5 East 42nd Street, New York, NY 10017.
It was founded in
1850 and has approximately $6 billion in
assets. Customers can open an account at one of its 5 branches.
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL SAVINGSBankNEW YORK$50,000N.A.0.40%3.51x (National Avg. - 0.11%)$2,500-SCENARIO
Year Rate
0.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 200 140 2 50,200 201 141 3 50,401 202 141 4 50,602 202 142 5 50,805 203 142 6 51,008 204 143 7 51,212 205 143 8 51,417 206 144 9 51,623 206 145 10 51,829 207 145 11 52,036 208 146 12 52,245 209 146 13 52,454 210 147 14 52,663 211 147 15 52,874 211 148 16 53,085 212 149 17 53,298 213 149 18 53,511 214 150 19 53,725 215 150 20 53,940 216 151 TOTAL $4,156 $2,909 - 2ONLINE SAVINGSOnline Bank-$50,000N.A.0.50%4.39x (National Avg. - 0.11%)$0-SCENARIO
Year Rate
0.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 250 175 2 50,250 251 176 3 50,501 253 177 4 50,754 254 178 5 51,008 255 179 6 51,263 256 179 7 51,519 258 180 8 51,776 259 181 9 52,035 260 182 10 52,296 261 183 11 52,557 263 184 12 52,820 264 185 13 53,084 265 186 14 53,349 267 187 15 53,616 268 188 16 53,884 269 189 17 54,154 271 190 18 54,424 272 190 19 54,696 273 191 20 54,970 275 192 TOTAL $5,245 $3,671