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Checking, Savings and Money Market Account Rates

Product/Term Interest Rate Annual Percentage Yield (APY)
Combined Savings and Checking – $25.00 minimum to open. Following minimums required to maintain APY:    
Savings Account    
$0 – $4,999 average daily collected balance 0.00% 0.00%
$5,000 and over average daily collected balance .20 .20
     
Checking Account    
$0 – $4,999 average daily collected balance 0.00% 0.00%
$5,000 and over average daily collected balance 0.10 0.10
     
Regular Savings ($20.00 minimum to open; no minimum to earn APY) .05 .05
     
Now Checking    
NOW Checking (No minimum to open. Following minimums required to maintain APY)    
$0 – $2,499 average daily collected balance 0.00% 0.00%
$2,500 – $9,999 average daily collected balance .05 .05
$10,000 – $49,999 average daily collected balance .10 .10
$50,000 – $149,999 average daily collected balance .15 .15
$150,000 and over average daily collected balance .20 .20
     
Regular NOW Checking (Following minimums required to open and maintain APY)    
$500 minimum to $4,999 .05 .05
$5,000 minimum and over .10 .10
     
Money Market Deposit Account    
$5,000 – $99,999.99 1.00 1.01
$100,000 – $249,999.99 1.75 1.77
$250,000 – $999,999.99 2.75 2.79
$1,000,000 and over 3.00 3.05
     
Ogdensburg and Philadelphia NY Area Markets Only    
Christmas Club (Automatic deposit. $2 minimum to open and maintain APY) .05 .05

*Rates Effective 1/1/2024. APY accurate as of 1/1/2024.

** There may be a penalty imposed for early withdrawal.​

*** Fees could reduce earnings and rate and APY may change after the account is opened.

​Please contact your local branch office to obtain minimum deposit and balance requirements for all accounts, penalties for early withdrawals, account specifics and full disclosures.