Savings & Certificates Rates

Share and Certificate rates subject to change without notice. Rates effective as of 1/2/25.

Certificate Special!

Rates as high as 4.50% APY*

Add 0.25% APY with $5000 in NEW MONEY (6 and 12 mos. Terms)

*Addition of 0.25% APY added to base certificate APY. Rate increase cannot exceed 0.25%. Max is 4.50% APY. New MONEY is considered funds from another financial institution or non-SECNY account. This offer is good for SECNY consumer and business member accounts only-No Financial Institution investments permitted.

‎ APR APY
01 / Regular Share (min. $100) 0.05% 0.05%
03 / Business Share (min. $100) 0.05% 0.05%
10 / Club (Holiday) 0.05% 0.05%
11 / Club (Vacation) 0.05% 0.05%
13 / Club (Save2Grow) (min. $100-$500) 2.96% 3.00%
11 / Club (Save2Grow) (>$500.01) 0.05% 0.05%
20 / Club (Save2Own) 2.96% 3.00%
73 / Enterprise Checking (Business Checking) No Dividend Paid No Dividend Paid
75 / Draft Checking No Dividend Paid No Dividend Paid
79 / Cash Management (> $75,000.00) 1.00% 1.00%
79 / Cash Management ($50,000 - $74,999.99) 0.85% 0.85%
79 / Cash Management ($25,000 - $49,999.99) 0.60% 0.60%
79 / Cash Management ($10,000 - $24,999.99) 0.40% 0.40%
79 / Cash Management ($2,000 - $9,999.99) 0.30% 0.30%
81/91/97 IRA Activity Account (>$10,000) 0.20% 0.20%
81/91/97 IRA Activity Account ($100 - $9,999) 0.10% 0.10%
91 / Roth Activity Account Same rates and terms as IRA activity account above  
95 / Coverdell ESA (min $500) Same rates and terms as IRA activity account above  
97 / Coverdell ESA Activity Account Same rates and terms as IRA activity account above  
‎ APR APY
89 / 6 Month - Int. Monthly (min. $500) *3.93% *4.00%
83 / 12 Month - Int. Monthly (min. $500)   *4.17% *4.25%
84 / 24 Month - Int. Monthly (min. $500)   3.54% 3.60%
85 / 30 Month - Int. Monthly (min. $500) 3.54% 3.60%
86 / 36 Month - Int. Monthly (min. $500)   3.54% 3.60%
87 / 48 Month - Int. Monthly (min. $500) 3.54% 3.60%
88 / 60 Month - Int. Monthly (min. $500)   3.69%

3.75%

Retirement Calculator

‎ APR APY
69 / 6 Month - Int. Monthly (min. $500)     *3.93% *4.00%
63 / 12 Month - Int. Monthly (min. $500) *4.17% *4.25%
64 / 24 Month - Int. Monthly (min. $500) 3.54% 3.60%
65 / 30 Month - Int. Monthly (min. $500)   3.54% 3.60%
66 / 36 Month - Int. Monthly (min. $500) 3.54% 3.60%
67 / 48 Month - Int. Monthly (min. $500)   3.54% 3.60%
68 / 60 Month - Int. Monthly (min. $500)  3.69%

3.75%

Retirement Calculator

‎ APR APY
30 / 30 Day Certificate (min. $2,500)    2.23% 2.25%
32 / 12 Month - Int. Monthly (min. $1,000)     *3.93% *4.00%
34 / 6 Month - Int. Monthly (min. $1,000) *3.96% *3.75%
35 / 3 Month - Int. Monthly (min. $2,500)     2.33% 2.35%
36 / 24 Month - Int. Monthly (min. $1,000) 3.44% 3.50%
37 / 30 Month - Int. Monthly (min. $1,000) 3.44% 3.50%
38 / 36 Month - Int. Monthly (min. $1,000) 3.44%

3.50%
39 / 48 Month - Int. Monthly (min. $1,000) 3.44%

3.50%
40 / 60 Month - Int. Monthly (min. $1,000) 3.54%

3.50%

Savings Calculator

‎ APR APY
52 / 12 Month JUMBO Int. Monthly (min $50,000) *4.17% *4.25%
54 / 6 Month JUMBO Int. Monthly (min $50,000) *3.93% *4.00%
56 / 24 Month JUMBO Int. Monthly (min $50,000) 3.54% 3.60%
57 / 30 Month JUMBO Int. Monthly (min $50,000) 3.54% 3.60%
58 / 36 Month JUMBO Int. Monthly (min $50,000) 3.54% 3.60%
59 / 48 Month JUMBO Int. Monthly (min $50,000) 3.54% 3.60%
60 / 60 Month JUMBO Int. Monthly (min $50,000) 3.69%

3.75%

Savings Calculator

‎ APR APY
21 / HSA Savings (min. $100) 1.49% 1.50%
29 / HSA Checking ($5000 and over) 0.20% 0.20%
HSA Checking ($1,000-$4,999.99)     0.10% 0.10%

Savings Calculator

Dividend rates are declared by the Board of Directors quarterly. Please note that the minimum balances must remain in accounts for the entire period to qualify for a dividend. All accounts are federally insured by the National Credit Union Administration (NCUA). All rates subject to change without notice. APR - Annual Percentage Rate APY - Annual Percentage Yield