Savings & Deposit Rates

Rates effective August 8, 2022
*APY = Annual Percentage Yield

Estimate Customer Insurance Coverage with the FDIC's
Electronic Deposit Insurance Estimator (EDIE)

Savings Accounts

Savings Product APY Rate
Passbook Savings 0.05% 0.05%
Statement Savings 0.05% 0.05%
Money Market ($1,000 - $49,999.00) 0.25% 0.25%
Money Market ($50,000.00 or more) 0.40% 0.40%
Premier Money Market ($1,000 - $49,999.00) 0.25% 0.25%
Premier Money Market ($50,000.00 or more) 0.50% 0.50%

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.


Checking Accounts

Checking Product Balance APY Rate
New Wave Checking (Basic Banking) $25.00 N/A N/A
Now Checking $250.00 0.05% 0.05%
Super Now Checking $1,000.00 to $49,999.99 0.10% 0.10%
Super Now Checking ($50,000 or more) $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.


Certificate Rates

Term APY Rate
4 Month 0.10% 0.10%
5 Month 0.15% 0.15%
6 Month 0.45% 0.45%
7 Month 0.20% 0.20%
9 Month 0.25% 0.25%
11 Month Special 1.00% 1.00%
12 Month 0.55% 0.55%
13 Month 0.30% 0.30%
14 Month 0.30% 0.30%
17 Month 0.45% 0.45%
18 Month 0.70% 0.70%
19 Month Special 1.51% 1.50%
20 Month 0.55% 0.55%
24 Month 0.80% 0.80%
25 Month 0.55% 0.55%
26 Month 0.55% 0.55%
30 Month 0.80% 0.80%
36 Month 1.10% 1.10%
40 Month 0.90% 0.90%
44 Month 0.90% 0.90%
48 Month 1.40% 1.40%
50 Months 1.25% 1.25%
60 Month 1.51% 1.50%
65 Month 1.56% 1.55% - with One-time bump rate option*
72 Month 1.35% 1.35%

* 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. Effective 3/27/2020. Rates and promotion subject to change at any time. Maximum $250,000.00 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.


IRA Rates

Term APY Rate
12 Month 0.80% 0.80%
13 Month  0.55% 0.55%
14 Month 0.55% 0.55%
18 Month 0.95% 0.95%
20 Month 0.80% 0.80%
24 Month 1.05% 1.05%
25 Month 0.80% 0.80%
26 Month 0.80% 0.80%
30 Month 1.05% 1.05%
36 Month 1.35% 1.35%
40 Month 1.15% 1.15%
44 Month 1.15% 1.15%
48 Month 1.66% 1.65%
50 Months  1.51% 1.50%
60 Month 1.76% 1.75%
65 Month 1.76% 1.75%
72 Month 1.76% 1.75%

Interest rates are subject to change at any time. $500.00 minimum balance required. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Interest is compounded daily and posted quarterly. Interest Rates, Specials and Promotions are subject to change at any time.

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