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

Deposit Rates

Effective 09/24/2025

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 – $24,999.991.8866%1.90%
$25,000.00 – $74,999.992.1329%2.15%
$75,000.00 and over2.3787%2.40%
Dividends compound quarterly

CD Rates

TermDividend RateAPY*
6 month4.1694%4.25%
12 month3.5419%3.60%
24 month3.5903%3.65%

Lucky Savers Rates

TermDividend RateAPY*
12 month3.5419%3.60%

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