Main office:  (315)785-2400  Hours: Mon – Fri 8:00am – 3:00pm.   Branch office: (315)785-2470 Hours: Mon – Fri 8:00am – 4:30pm |

Digital Banking Downtime

On Tuesday, Dec 31st, our online services will be unavailable from 5:30pm – 9:00pm for end of year processing.
We apologize for any inconvenience and thank you for your patience.

Deposit Rates

Effective 11/21/2024

Savings Account Rates

Account BalanceDividend Rate
Under $50.00No Dividends
$50.00 to $4,999.990.10 %
$5,000 to $9,999.990.25 %
$10,000 to $19,999.990.30 %
$20,000 and over0.40 %

Money Market Rates

Account BalanceDividend RateAPY*
Under $2,500.00No DividendsN/A
$2,500.00 – $24,999.992.2313%2.25%
$25,000.00 – $74,999.992.4769%2.50%
$75,000.00 and over2.7221%2.75%
Dividends compound quarterly

CD Rates

TermDividend RateAPY*
6 month3.928%4.00%
12 month3.7837%3.85%
24 month3.7837%3.85%

Lucky Savers Rates

TermDividend RateAPY*
12 month3.7837%3.85%

*APY = Annual Percentage Yield. Rates are variable and subject to change.