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Bank Rates

Essex Savings Bank is a long term relationship Bank. We want to talk to you. Anyone can post a rate. But is it the full story?

Things for you to ponder, aside from just rate

 

CDs

How soon will I need access to this money? Are interest rates going up, or down? Should I diversify my money, and ladder accounts to build higher yielding returns while maintaining liquidity needs? Is the Bank well capitalized? While FDIC insurance coverage is paramount, should I consider other types of investments to achieve my long term goals? Perhaps forming a trust for a long term estate plan should begin now? Is it important to me that my Bank support the local community? At Essex Savings Bank, we want to discuss your financial plan. Do yourself a favor and call us. Do not rely on rate alone.

Checking

How “free” is my checking account, really? Am I nickeled and dimed with annoying “other” fees? Essex Savings Bank will return ATM fees charged by other banks at their ATMs. Essex Savings Bank offers free web banking with bill payment and we pay for your first order of checks. Would you prefer a return on the funds deposited and what would fit you the best? When you have a problem with your checking account, is it important to you that we will answer the phone with a person who will actually listen and resolve your problem? We believe that you will find Essex Savings Bank’s customer service refreshing. At Essex Savings Bank, we want to discuss your financial plan. Do yourself a favor and call us. Do not rely on rate alone.

Loans

When I near closing my loan, will there be surprise processing or documentation fees that make the perceived rate less attractive? After I apply, will my rate be risk adjusted higher to conform to Fannie and Freddie guidelines? Business loans require analysis of needs and a partnership in achieving the desired long term benefits. At Essex Savings Bank, we want to discuss your financial plan. Do yourself a favor and call us. Do not rely on rate alone.

We believe a straight forward conversation works to your benefit and builds the trust that leads to long term relationships. Since we answer the phone, you can still compare our rates quickly, but talk to us. Simply posting rates on the web site removes the opportunity to show that real financial service should begin with a conversation.

Do yourself a favor and call us. Do not rely on rate alone.

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