eSavings CD
Lock in a high rate
Our eSavings Certificate of Deposit (CD) is a great choice for those looking for rate consistency. Lock in an above-the-market rate for the 12-month term. Open with as little as $100, and you can continue to add funds for the first six months!
- Open with just $100
- Add funds for the first 6 months
- Your money is FDIC insured
See How Our Rates Compare to the Other Banks
Not ready to open now?
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Online Value from a New Jersey Bank
Earn more
Our online rates consistently beat the traditional banks
Keep your dollars in NJ
Your money supports our local New Jersey economy
Talk to a local person
Talk to real, friendly experts located right here in NJ
Local FDIC-insured bank
Backed by Amboy Bank with 135+ years of great savings and service
Open Your Account in One Easy Session
Open Your eSavings CD in Just Minutes
Opening your eSavings CD account is quick, secure, and hassle-free. With just a few basic details, you can complete the process in one sitting.
Begin our secure (and fast) account opening process
Confirm the micro-deposits Amboy put in your external account
Transfer your money from an existing account and start banking!
FAQs
We can pay more because Amboy Direct clients do not use branches. This helps reduce our costs, which means we can pay you higher rates and bring you added value.
Our account opening process and Digital Banking platform employ state of the art security practices, so you can rest assured that your information is safe.
Amboy Direct relationships are FDIC-insured up to $250,000 per depositor.
Opening an account online is easy and takes less than ten minutes. You need to be at least 18 years old and a citizen or Resident Alien of the United States (some accounts also require New Jersey residency). Please have your Social Security Number, a photo ID, and your external funding information handy.
Amboy Direct is the online division of Amboy Bank, a New Jersey institution that has been around for more than 135 years. We’ve also been voted “Best Bank” for more than 25 consecutive years!
Listen to the Experts
Voted Best Bank 28 years in a row
Terms & Disclosures*$100 minimum to open. 12-month CD. Additional deposits can be made within 6 months of account opening. Balances from $10,000 - $250,000 earn 4.00% Annual Percentage Yield (APY), $9,999 and under earns 0.30% APY. Competitor information based on $10,000 balance is from S&P Capital IQ survey on 9/15/2025. $250,000 maximum. Early withdrawal penalties may apply. Offer is available for new money not currently on deposit at Amboy Direct. One offer/account per Amboy Direct household. Offer may be modified without notice. Not available at Amboy branches.