Serving Everyone in Central New York

Savings & Certificate Rates

All rates are subject to change without notice. APR- Annual Percentage Rate. APY- Annual Percentage Yield. Rates effective as of 11/2/2017.

Share Certificate Rate Specials View Special Rates…


Declared 3rd Quarter Dividends


01 / Regular Share (min. $100)

APR: APY:
0.05% 0.05%

03 / Business Share (min. $100)

APR: APY:
0.05 0.05

10 / Club (Holiday) min. $100

APR: APY:
0.05% 0.05%

11 / Club (Vacation) min. $100

APR: APY:
0.05% 0.05%

75 / Draft / Checking

APR: APY:
- -

79 / Cash Management (> $75,000.00)

APR: APY:
0.40% 0.40%

79 / Cash Management ($50,000 - $74,999.99)

APR: APY:
0.30% 0.30%

79 / Cash Management ($25,000 - $49,999.99)

APR: APY:
0.20% 0.20%

79 / Cash Management ($10,000 - $24,999.99)

APR: APY:
0.10% 0.10%

79 / Cash Management (min. $2,000 - $9,999.99)

APR: APY:
0.05% 0.05%

81/91/97 / IRA Activity Account (>$10,000)

APR: APY:
0.10% 0.10%

81/91/97 / IRA Activity Account ($100 - $9,999)

APR: APY:
0.05% 0.05%

91 / Roth Activity Account

same rates and terms as IRA activity account above

93 / Roth IRA (min $500)

same rates and terms as IRA above

95 / Coverdell ESA (min $500)

same rates and terms as IRA above


IRA Share Certificates

Click here for SPECIAL RATES!


89 / 6 Month - Int. Monthly (min. $500)

APR: APY:
0.50% 0.50%

83 / 12 Month - Int. Monthly (min. $500)

APR: APY:
0.75% 0.75%

84 / 24 Month - Int. Monthly (min. $500)

APR: APY:
1.00% 1.00%

85 / 30 Month - Int. Monthly (min. $500)

APR: APY:
1.09% 1.10%

86 / 36 Month - Int. Monthly (min. $500)

APR: APY:
1.19% 1.20%

87 / 48 Month - Int. Monthly (min. $500)

APR: APY:
1.39% 1.40%

88 / 60 Month - Int. Monthly (min. $500)

APR: APY:
1.59% 1.60%

Escrow and Enterprise Checking


61 / Escrow Accounts

No dividends are paid

73 / Enterprise Checking (Business Checking)

No dividends are paid


Certificate Rates

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30 / 30 Day Certificate (min. $2,500)

APR: APY:
- 0.25%

32 / 12 Month - Int. Monthly ($1,000)

APR: APY:
0.60% 0.60%

34 / 6 Month - Int. Monthly (>$1,000)

APR: APY:
0.40% 0.40%

35 / 3 Month - Int. Monthly (min. $2,500)

APR: APY:
- 0.25%

36 / 24 Month - Int. Monthly (min. $2,500)

APR: APY:
0.80% 0.80%

37 / 30 Month - Int. Monthly (min. $1,000)

APR: APY:
0.90% 0.90%

38 / 36 Month - Int. Monthly (min. $1,000)

APR: APY:
1.00% 1.00%

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

APR: APY:
1.19% 1.20%

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

APR: APY:
1.49% 1.50%

JUMBO Certificate Rates

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32 / 12 Month JUMBO Int. Monthly (min $50,000)

APR: APY:
0.75% 0.75%

34 / 6 Month JUMBO Int. Monthly (min $50,000)

APR: APY:
0.50% 0.50%

36 / 24 Month JUMBO Int. Monthly (min $50,000)

APR: APY:
1.00% 1.00%

37 / 30 Month JUMBO Int. Monthly (min $50,000)

APR: APY:
1.09% 1.10%

38 / 36 Month JUMBO Int. Monthly (min $50,000)

APR: APY:
1.19% 1.20%

39 / 48 Month JUMBO Int. Monthly (min $50,000)

APR: APY:
1.39% 1.40%

40 / 60 Month JUMBO Int. Monthly (min $50,000)

APR: APY:
1.59% 1.60%

Health Savings Accounts


29 / HSA Checking ($1,000-$2,499.99)

APR: APY:
0.05% 0.05%

HSA Checking ($2,500-$4,999.99)

APR: APY:
0.05% 0.05%

HSA Checking ($5000 and over)

APR: APY:
0.10% 0.10%

21 / HSA Savings (min. $100)

APR: APY:
0.05% 0.05%
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