APY = Annual Percentage Yield. Rates are valid through January 21st, 2020. Fees may reduce earnings.
Certificates of Deposit (CDs)Learn More
| Term | Tier | Rate | APY |
|---|---|---|---|
| 6 Month | $1,000 and above | 0.25% | 0.25% |
| 12 month | $1,000 and above | 0.45% | 0.45% |
| 24 month | $1,000 and above | 0.65% | 0.65% |
| 48 month | $1,000 and above | 1.14% | 1.15% |
| 15 Month CD Special | $1,000 to $24,999 | 1.74% | 1.75% |
| $25,000 to $99,999 | 1.84% | 1.85% | |
| $100,000 to $499,999 | 2.03% | 2.05% | |
| $500,000 to $999,999 | 2.23% | 2.25% | |
| $1,000,000 and above* |
Fees may reduce earnings. Early withdrawal is subject to penalty.
*Market rate negotiable. Call (315) 529-2432 for details.
Personal Deposit Accounts
| Account | Minimum Daily Balance | Rate | APY |
|---|---|---|---|
| Statement and Passbook Savings | $100 | 0.05% | 0.05% |
| Young Investor Club | $5 | 0.05% | 0.05% |
| Holiday Club2 | $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 | 0.10% | 0.10% |
| up to $19,999 | $100 | 0.25% | 0.25% |
| up to $34,999 | $100 | 0.50% | 0.50% |
| up to $49,999 | $100 | 0.65% | 0.65% |
| $50,000 and over | $100 | 0.75% | 0.75% |
Interest rate may change on the first of any month.
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 | 0.10% | 0.10% |
| $10,000 to $24,999 | $2,500 | 0.15% | 0.15% |
| $25,000 to $49,999 | $2,500 | 0.20% | 0.20% |
| $50,000 to $74,999 | $2,500 | 0.25% | 0.25% |
| $75,000 and over | $2,500 | 0.30% | 0.30% |
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 | 0.10% | 0.10% |
| up to $24,999 | $2,500 | 0.15% | 0.15% |
| up to $49,999 | $2,500 | 0.20% | 0.20% |
| up to $74,999 | $2,500 | 0.25% | 0.25% |
| $75,000 and over | $2,500 | 0.30% | 0.30% |
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.
IOLA 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% |
Interest rate may change on the first of any month.