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Emigrant Direct


Overall Score:
Rate History:

Bank's URL:


Overall Score

Emigrant has offered an online savings account for years. The rate is usually slight better than average. I see their rate as the barometer for all other accounts. Emigrant is usually the first one to move their rates and all other players follow. They are very responsive with their rate moves. If the Fed makes an announcement on Tuesday that affects markets, you can be sure to see a rate change from Emigrant by the end of the week.

They provide a great deal of security. It's a solid product, if you don't need a great deal of access to your funds. I would rate them higher, if we had more access to our money.


Rate History:

Their rate is usually slight above average, maybe a quarter of a point. They offer an annual promotion that usually last for 90 days.

Customer Service:

Phone support and email is offered. Phone support is available 7 days a week from 8 AM to 11:30 PM (EST).


Emigrant has a long history of following best practices. I feel very comfortable with their system.


Your standard tie to a checking or savings account system.


Funding: Ties to your checking or savings account.

Setup Process: Online, mail, and fax.

FDIC Insured

Bank's URL :

Mailing Address:

13 Croton Avenue
Ossining, NY 10562

Phone: Customer Service: 1-800-836-1997

Seven days a week, 8:00 AM - 11:30 PM ET

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