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Savings & Deposit Rates
Rates effective October 7, 2019
APY = Annual Percentage Yield
Estimate Customer Insurance Coverage with the FDIC's
Electronic Deposit Insurance Estimator (EDIE)
Looking to open one of the below accounts? Contact us.
Savings Accounts
| Savings Product | APY | Rate |
|---|---|---|
| Passbook Savings | 0.100% | 0.100% |
| Statement Savings | 0.100% | 0.100% |
| Money Market ($1,000 - $49,999.00) | 0.400% | 0.400% |
| Money Market ($50,000.00 or more) | 1.000% | 1.000% |
| Premier Money Market ($1,000 - $49,999.00) | 0.400% | 0.400% |
| Premier Money Market ($50,000.00 or more) | 1.250% | 1.250% |
* 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 | ||
| Now Checking | $250.00 * | 0.150% | 0.150% |
| Super Now Checking | $2,500.00 to $49,999.99 * | 0.250% | 0.250% |
| Super Now Checking ($50,000 or more) | $50,000.00* or more | 0.350% | 0.350% |
* Now Checking Account requires a minimum daily balance of $250.00 to avoid a $5.00 monthly fee.
* Super Now Checking Account requires a minimum daily balance of $250.00 to avoid a $5.00 maintenance fee.
Certificate Rates
| Term | APY | Rate |
|---|---|---|
| 4 Month | 0.200% | 0.200% |
| 6 Month | 0.400% | 0.400% |
| 7 Month | 0.400% | 0.400% |
| 9 Month Special | 1.750% | 1.740% |
| 11 Month | 0.600% | 0.600% |
| 12 Month | 0.650% | 0.650% |
| 13 Month | 0.650% | 0.650% |
| 14 Month | 0.650% | 0.650% |
| 17 Month | 0.650% | 0.650% |
| 18 Month | 0.700% | 0.700% |
| 19 Month | 2.00% | 1.99% |
| 20 Month | 0.700% | 0.700% |
| 24 Month | 0.750% | 0.750% |
| 25 Month | 0.850% | 0.850% |
| 26 Month | 1.000% | 1.000% |
| 30 Month | 1.000% | 1.000% |
| 36 Month | 1.200% | 1.200% |
| 40 Month | 1.200% | 1.200% |
| 44 Month | 1.400% | 1.400% |
| 48 Month | 1.600% | 1.590% |
| 60 Month | 2.250% | 2.230% |
| 72 Month Special | 2.500% | 2.480% |
* Maximum deposit of $250,000.00 per tax ID number.
*If 65 Month term is no longer available, the 60 month rate would be honored.
* Interest rates and promotions are subject to change at any time.
* $500.00 minimum balance required.
* Penalty may be imposed for early withdrawal.
* Fees may reduce earnings.
* 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 | 0.900% | 0.900% |
| 13 Month | 0.900% | 0.900% |
| 18 Month | 0.950% | 0.950% |
| 20 Month | 0.950% | 0.950% |
| 24 Month | 1.000% | 1.000% |
| 25 Month | 1.100% | 1.100% |
| 26 Month | 1.250% | 1.250% |
| 30 Month | 1.250% | 1.250% |
| 36 Month | 1.450% | 1.450% |
| 40 Month | 1.450% | 1.450% |
| 44 Month | 1.650% | 1.650% |
| 48 Month | 1.850% | 1.850% |
| 60 Month | 2.500% | 2.480% |
*One time APY Flex option available during CD term. Inquire for more details.
*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
* Promotion is subject to change at any time.