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APY = Annual Percentage Yield. Rates effective as of September 26th, 2018. Fees may reduce earnings.

Certificates of Deposit (CDs)Learn More

Term Tier Rate APY
6 month $1,000 and above 0.35% 0.35%
12 month $1,000 and above 0.50% 0.50%
12 month special $1,000 and above 2.47% 2.50%
24 month $1,000 and above 0.75% 0.75%
48 month $1,000 and above 1.29% 1.30%

Fees may reduce earnings. Early withdrawal is subject to penalty.

1 Must be funded with money not currently on deposit at Pathfinder Bank.

Personal Deposit Accounts

Account Minimum Daily Balance Rate APY
High Yield Money Market Account (Promotion) $10,000 (up to $1,000,000) 1.59% 1.60%
Statement and Passbook Savings* $100 0.05% 0.05%
Young Investor Club* $5 0.05% 0.05%
Holiday Club*2 $2 0.05% 0.05%
Extra Checking $100 0.05% 0.05%

* Interest rate may change on the first of any month.

2 Must maintain a minimum balance of at least the first payment amount of your club denomination. $2 minimum deposit to open account.

Health Savings Account (HSA)Learn More

Tier Minimum Daily Balance Rate APY
up to $7,499 $100 0.15% 0.15%
up to $19,999 $100 0.35% 0.35%
up to $34,999 $100 0.60% 0.60%
up to $49,999 $100 0.75% 0.75%
$50,000 and over $100 1.00% 1.00%

Extra SavingsLearn More

Tier Minimum Daily Balance Rate APY
up to $4,999 $100 0.05% 0.05%
up to $9,999 $100 0.10% 0.10%
$10,000 and over $100 0.15% 0.15%
Interest rate may change on the first of any month.

Money Market AccountLearn More

Tier Minimum Daily Balance Rate APY
$2,500 to $9,999 $2,500 0.05% 0.05%
$10,000 to $24,999 $2,500 0.10% 0.10%
$25,000 to $49,999 $2,500 0.15% 0.15%
$50,000 to $74,999 $2,500 0.20% 0.20%
$75,000 and over $2,500 0.25% 0.25%

Plus CheckingLearn More

Tier Minimum Daily Balance Rate APY
up to $9,999 $100 0.05% 0.05%
up to $24,999 $100 0.10% 0.10%
$25,000 and over $100 0.15% 0.15%
Interest rate may change on the first of any month.

Money Management CheckingLearn More

Tier Minimum Daily Balance Rate APY
up to $9,999 n/a 0.05% 0.05%
up to $24,999 n/a 0.10% 0.10%
$25,000 and over n/a 0.15% 0.15%
Interest rate may change on the first of any month.

Business SavingsLearn More

Tier Minimum Daily Balance Rate APY
up to $9,999 $100 0.05% 0.05%
up to $24,999 $100 0.10% 0.10%
$25,000 and over $100 0.20% 0.20%
Interest rate may change on the first of any month.

Executive Money Market AccountLearn More

Tier Minimum Daily Balance Rate APY
up to $9,999 $2,500 0.05% 0.05%
up to $24,999 $2,500 0.10% 0.10%
up to $49,999 $2,500 0.15% 0.15%
up to $74,999 $2,500 0.20% 0.20%
$75,000 and over $2,500 0.25% 0.25%
up to $49,999 (Promo) $10,000 0.20% 0.20%
$50,000 and over (Promo) $10,000 0.50% 0.50%

Business CheckingLearn More

Tier Minimum Daily Balance Rate APY
up to $4,999 n/a 0.05% 0.05%
up to $9,999 n/a 0.10% 0.10%
$10,000 and over n/a 0.15% 0.15%

Business rate is for earnings credit only.

IOLTA Account

Tier Minimum Daily Balance Rate APY
up to $9,999 $100 0.05% 0.05%
up to $24,999 $100 0.10% 0.10%
$25,000 and over $100 0.15% 0.15%

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