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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 during first 6 months
FDIC Insured

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Online Value. New Jersey Bank.

Earn more with our online rates that consistently beat traditional banks

Keep your dollars in the Garden State and help our local economy

Get support from an actual person when you need it

Backed by an FDIC-insured bank with more than 130 years of great savings and service

Open Your Account in One Easy Session

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Begin our secure (and fast) account opening process

Verify Your Account
Confirm the micro-deposits Amboy put in your external account

Fund the Account
Transfer your money from an existing account. That's it!

FAQs

Do I need to be a New Jersey resident to open an eSavings CD?

No! While many of our products are for New Jersey residents only, we’re proud to offer our eSavings CD to the entirety of the United States.

What are the requirements to open an account online?

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.

What is Amboy Direct?

Amboy Direct is the online division of Amboy Bank, a New Jersey institution that has been around for more than 130 years. We’ve also been voted “Best Bank” for more than 20 consecutive years!

How can Amboy Direct offer higher rates than other banks?

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.

How secure is Amboy Direct?

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.

Is my money safe?

Amboy Direct relationships are FDIC-insured up to $250,000 per depositor.

Listen to the Experts

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 2/24/2025. $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.