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Current Savings Rates

Effective Date: 4/30/13

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	1.35%	1.36%

Certificates of Deposit	Nominal Rate	APY*
6-11 MONTH ( $1,000 and over)	0.20%	0.20%
12-23 MONTH ( $1,000 and over)	0.25%	0.25%
24-35 MONTH ( $1,000 and over)	0.50%	0.50%
36-47 MONTH ( $1,000 and over)	.75%	.75%
48-59 MONTH ( $1,000 and over)	1.00%	1.00%
60 MONTH ( $1,000 and over)	1.25%	1.25%
$1000 minimum deposit of certificates 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	1.35%	1.359%
IRA Certificates	Nominal Rate	APY*
24 MONTH ( $1,000 and over)	0.50%	0.50%
48 MONTH ( $1,000 and over)	1.00%	1.00%
60 MONTH ( $1,000 and over)	1.25%	1.25%
minimum deposit of certificates $5,000 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.



		Savings

		Checking

		Special Savings

		Smart Start Certificates

		Certificates of Deposit

		Money Market

		IRA's