Savings & Certificates Rates

Rates effective as of 9/12/19.               Rates subject to change without notice.

To celebrate 30 years at our Onondaga Hill Branch Office we have special certificate rates!*

*Anniversary special Rate requires minimum $3,000 new money. Certain Restrictions apply. APR - Annual Percentage Rate, APY - Annual Percentage Yield. Valid through 10/15/19. Offer subject to change without notice.

Anticipated Dividend for the 3rd Quarter 2019:

APR APY
01 / Regular Share (min. $100) 0.10% 0.10%
03 / Business Share (min. $100) 0.10% 0.10%
10 / Club (Holiday) 0.10% 0.10%
11 / Club (Vacation) 0.10% 0.10%
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) 0.75% 0.75%
79 / Cash Management ($50,000 - $74,999.99) 0.60% 0.60%
79 / Cash Management ($25,000 - $49,999.99) 0.50% 0.50%
79 / Cash Management ($10,000 - $24,999.99) 0.40% 0.40%
79 / Cash Management (min. $2,000 - $9,999.99) 0.25% 0.25%
81/91/97 IRA Activity Account (>$10,000) 0.15% 0.15%
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
93 / Roth IRA (min $500) 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

Retirement Calculator

IRA Share Certificates:

APR APY
89 / 6 Month - Int. Monthly (min. $500) Anniversary Special! 1.74%* 1.75%*
83 / 12 Month - Int. Monthly (min. $500) Anniversary Special! 1.98%* 2.00%*
84 / 24 Month - Int. Monthly (min. $500) 1.84% 1.85%
85 / 30 Month - Int. Monthly (min. $500) Anniversary Special! 2.96%* 3.00%*
86 / 36 Month - Int. Monthly (min. $500) 1.98% 2.00%
87 / 48 Month - Int. Monthly (min. $500) 2.08% 2.10%
88 / 60 Month - Int. Monthly (min. $500) 2.23% 2.25%

Retirement Calculator

Certificate Rates:

APR APY
30 / 30 Day Certificate (min. $2,500) Anniversary Special! 2.96%* 3.00%*
32 / 12 Month - Int. Monthly ($1,000) 1.24% 1.25%
34 / 6 Month - Int. Monthly (>$1,000) 1.00% 1.00%
35 / 3 Month - Int. Monthly (min. $2,500) Anniversary Special! 2.96%* 3.00%*
36 / 24 Month - Int. Monthly (min. $1,000) 1.49% 1.50%
37 / 30 Month - Int. Monthly (min. $1,000) Anniversary Special! 2.96%* 3.00%*
38 / 36 Month - Int. Monthly (min. $1,000) 1.64% 1.65%
39 / 48 Month - Int. Monthly (min. $1,000) 1.74% 1.75%
40 / 60 Month - Int. Monthly (min. $1,000) 1.98% 2.00%

Savings Calculator

Jumbo Certificate Rates:

APR APY
32 / 12 Month JUMBO Int. Monthly (min $50,000) Anniversary Special! 1.98%* 2.00%*
34 / 6 Month JUMBO Int. Monthly (min $50,000) Anniversary Special! 1.74%* 1.75%*
36 / 24 Month JUMBO Int. Monthly (min $50,000) 1.84% 1.85%
37 / 30 Month JUMBO Int. Monthly (min $50,000) Anniversary Special! 2.96%* 3.00%*
38 / 36 Month JUMBO Int. Monthly (min $50,000) 1.98% 2.00%
39 / 48 Month JUMBO Int. Monthly (min $50,000) 2.08% 2.10%
40 / 60 Month JUMBO Int. Monthly (min $50,000) 2.23% 2.25%

Savings Calculator

Health Savings Accounts:

APR APY
21 / HSA Savings (min. $100) 0.10% 0.10%
29 / HSA Checking ($5000 and over) 0.15% 0.15%
HSA Checking ($1,000-$4,999.99) 0.10% 0.10%

Savings Calculator