Online Account Opening Rates

Effective Date: 11/28/2022   |   APY= Annual Percentage Yield

Checking Account

Account APY Interest Rate
New Wave Checking - Non-Interest Bearing N/A N/A
NOW Checking 0.05% 0.05%
Super NOW Checking - $25.00 - $999.99 0.05% 0.05%
Super NOW Checking - $1,000.00 - $49,999.99 0.10% 0.10%
Super NOW Checking - $50,000.00 or More 0.20% 0.20%

Now Checking - requires a minimum daily balance of $250.00 to avoid a $5.00 monthly fee.

Super Now Checking - requires a minimum daily balance of $250.00 to avoid a $5.00 maintenance fee.

Notice: Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location.


Savings Account

Account APY Interest Rate
Statement Savings
0.05% 0.05%
Holiday/Vacation Club Account 0.05% 0.05%
Premier Money Market Account - $25.00 - $999.00 0.05% 0.05%
Premier Money Market Account - $1,000.00 - $49,999.99 0.30% 0.30%
Premier Money Market Account - $50,000.00 - $99,999.99 0.55% 0.55%
Premier Money Market Account - $100,000.00 - $249,999.99 0.70% 0.70%
Premier Money Market Account - $250,000.00 or More 0.80% 0.80%

Savings account minimum balance to open account, $25.00.

All Savings accounts require a minimum balance of $25.00 to earn interest.

Money Markets require an initial deposit of $1,000.00.


Certificate of Deposit

Account APY Interest Rate
4 Month CD- Special 1.51% 1.50%
6 Month CD 0.45% 0.45%
11 Month CD- Special 2.78% 2.75%
12 Month CD 0.55% 0.55%
18 Month CD 0.70% 0.70%
24 Month CD 0.80% 0.80%
25 Month CD - Special 4.08% 4.00%
36 Month CD 1.10% 1.10%
48 Month CD 1.40% 1.40%
60 Month CD 1.86% 1.85%
65 Month CD 2.52% 2.50% with one-time bump rate option*
72 Month CD 2.01% 2.00%

* During the initial term of the bump up CD, the customer may, at their discretion, elect to exercise a one-time bump rate option to the rate in effect for the same term CD. The rate increase will not extend the original maturity date and will remain in effect for the term of the certificate.

$500 Minimum Balance. Penalty may apply for early withdrawal. Fees may reduce earnings.  Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Call for details 315-468-6281

*APY = Annual percentage yield. Interest is compounded daily and posted quarterly.

Notice: Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location.

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