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

Share Certificates

Traditional Certificate

When you’re looking to earn more on your savings, and won’t need to access or use the funds in the near future, a Certificate is a great option. Commit to keeping your funds on deposit for a set term, and earn a higher dividend rate. The longer the term, the more you’ll earn!

We offer standard certificates at 6-month, 12-month and 24-month terms. Minimum $500 deposit to open a certificate account.

Lucky Savers Certificate

Lucky Savers is a special 12-month certificate account that helps you build your savings while giving you a chance to win monthly and quarterly cash prizes! Every $25 deposit you make (up to $250 per month) into this account gets you a chance to win – up to 10 chances every month. Plus, all the money deposited into the Lucky Savers account is still yours and helps to build your savings.

You can open a Lucky Savers Certificate with as little as $25. And unlike traditional certificates, you can continue to deposit into the account throughout the certificate’s term. This allows you to begin saving, even if you need to start small.

Dividends will be compounded monthly and credited monthly based on the average daily balance in your share certificate account.