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 11/04/2022

Savings Account Interest 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 – $24,999.992.00%2.01%
$25,000.00 – $74,999.992.10%2.12%
$75,000.00 and over2.25%2.27%
Dividends compound quarterly

CD Rates

TermDividend RateAPY*
6 month2.85%2.89%
12 month3.10%3.14%
24 month3.40%3.45%

Lucky Savers Rates

TermDividend RateAPY*
12 month3.10%3.14%

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