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Current Savings Rates

Effective Date: 3/31/14

Rates are generally approved at the monthly board meetings and are subject to change without notice. The approved rates are applied to the average balances at month-end as described in our Truth In Savings disclosure.

Savings (Min Balance Requirement $5.00 )
Dividend on average daily balances of $500 0.03% APY*
Preferred Saving Nominal Rate APY*
$10,000 - 24,999.99 0.03% 0.03%
$25,000 and over 0.10% 0.10%
 
Checking
No minimum balance
  0.00% APY*
 
Money Market Nominal Rate APY*
$2,500 to 19,999.99 0.03% 0.03%
$20,000 to 74,999.99 0.03% 0.03%
$75,000 and over 0.03% 0.03%
 
Smart Start Certificate Nominal Rate APY*
$25 and over .50% .50%
 
Certificates of Deposit Nominal Rate APY*
6-11 MONTH
( $1,000 and over)
0.10% 0.10%
12-23 MONTH
( $1,000 and over)
0.10% 0.10%
24-35 MONTH
( $1,000 and over)
0.25% 0.25%
36-47 MONTH
( $1,000 and over)
0.50% 0.50%
48-59 MONTH
( $1,000 and over)
0.75% 0.75%
60 MONTH
( $1,000 and over)
1.00% 1.00%
Minimum of $1000 required for IRA Certificates. IRA annual limits apply.
Penalty for early withdraw of a Certificate Of Deposit is 3 mos. interest.
 

IRA Savings Nominal Rate APY*
Dividend on average daily balances of $500 0.03% 0.03%
Roth IRA Smart Start Certificate Nominal Rate APY*
$25 and over 0.50% 0.50%
IRA Certificates Nominal Rate APY*
24 MONTH
( $1,000 and over)
.25% .25%
48 MONTH
( $1,000 and over)
.75% .75%
60 MONTH
( $1,000 and over)
1.0% 1.0%
Minimum of $1,000 maximum contribution on IRA minimum deposit of certificates
All rates disclosed above are done so by using the APR (Annual Percentage Rate) and APY* (Annual Percentage Yield).
All rates are subject to change without notice.
Please call (607) 547-5700 to verify that these rates are current.

 
 
 
 
 
 
 
 


 
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