23-month term FDIC cert #16629

ESB Financial 23-month CD rates

ESB Financial's 23-month certificate of deposit, with current APY, peer comparison, and end-of-term earnings.

Latest snapshot observed 2026-05-18.

3.60%

APY · 23-month

Term

23-month

Minimum deposit

As of

2026-05-18

How current 23-month CD rates are spread across the market. This rate is 3.60% — higher than 97% of products in this slice.

Honest Number rate database · latest snapshot per institution

Weekly national average for 23-month CDs over the past year. Latest national average: 1.96%. This product: 3.60%.

Honest Number rate database · weekly mean from observation_date

What you'd have at the end of the full 1.92 years term at 3.60% APY.

Initial deposit

At end of term (1.92 years)

$10,714

+ $714 earned

Related calculators

Run the numbers on this 23-month CD against other savings strategies.

Stagger maturities to keep liquidity while locking in rates.

See how interest stacks across any horizon and compounding cadence.

Convert quoted APYs into their underlying APR for apples-to-apples comparisons.

Back-solve the deposit you need to hit a target by a deadline.