Born in Solvay, Built for Central New York
We’ve been a part of this community since 1917. As the oldest financial institution headquartered in Onondaga County, we’ve remained an independent community bank for generations, helping you, your parents and your grandparents build financial security, fund businesses and work toward a brighter future. We’re more than just a familiar face. We’re your friends and neighbors! Let’s make more possible, together!
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Making Lasting Security PossibleWith our High Interest Checking Account up to 4.00% APY1, High Yield Savings Account up to 3.25% APY2 and a 6 Month Certificate of Deposit at 4.00% APY3, we're helping you to accelerate your path to long-term financial security.
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Making Every Every Purchase PossibleWhether you're looking for a new Mortgage Loan, Construction Loan or Home Equity Loan & Line Options, Auto Loans built for the road ahead or Credit Cards for all of life’s extras, we’re here to make your next big step possible.
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Making Big Ideas PossibleWhether you’re an entrepreneur looking for a guiding start, or an established business looking to expand, Solvay Bank has the tools you need including Business Checking, Savings, Loans, Credit Cards and Cash Management Services. Let’s make more possible, together! |
1 Annual Percentage Yield (APY) is accurate as of 06/01/2026. 4.00% APY is for 12 months from account opening if account qualifications and rate tiers are met. Current checking account holders or those who have closed a checking account within the last 90 days are not eligible for this offer. Limit one new checking account per tax ID. Rate may change after promotional period. Account holder must meet the following qualifications each statement cycle to earn rate and ATM refunds: (1) post and clear 12 debit card purchases; (2) post one electronic direct deposit; (3) receive eStatements. At least one electronic direct deposit of salary, pension or government benefits is required each statement cycle to avoid a $5 monthly maintenance fee. If your daily balance is $15,000 or less, the interest rate will be 3.93% with an APY of 4.00%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $15,000. The APY for this tier will range from 0.10% to 4.00% depending on the balance in the account. If monthly qualifications are not met, the rate will be 0.05% with a 0.05% APY on all balances. Minimum deposit is $15. Fees may reduce earnings. Promotion may end without notice.
2 Horizon High-Yield Savings requires a companion Solvay Bank High Interest Checking Account. Your account earns interest using a tiering method where the stated rate only applies to the portion of the balance within the specified tier. You can maintain a Horizon High-Yield Savings account only if the qualifying High Interest Checking account with the same tax ID, meets the account qualifications each statement cycle. Annual Percentage Yield (APY) is accurate as of 01/22/2026. Minimum opening deposit is $15.00. Tier 1: A daily balance up to $24,999.99 earns an interest rate of 3.20% with an APY of 3.25%. Tier 2: A daily balance from $25,000.00 up to $49,999.99 earns an interest rate of 3.20%, the APY for this tier will range from 3.25% to 3.25% depending on the balance in the account. Tier 3: An interest rate of 0.10% will be paid only for the portion of your daily balance that is greater than $50,000. The APY for Tier ranges from 0.10% to 3.25% depending on the balance in the account. The APY for Tier ranges from 0.10% to 3.25% depending on the balance in the account. The rate may change after account opening. If High Interest Checking account qualifications are not maintained for three consecutive months, the Bank reserves the right to convert the Horizon High Yield Savings account to a Statement Savings account with corresponding rates and fees within 45 days of our notification to you. A new Horizon High Yield Savings cannot be re-opened for at least 90 days from an account conversion/account closure. A $25.00 fee or the account balance, if less than $25.00 will be charged if you close your account within 6 months of the open date. Limit one Horizon High Yield Savings account per tax ID, personal accounts only. Fees may reduce earnings.
3 6 Month Certificates of Deposit effective 02/01/26 with an Annual Percentage Yield (APY) of 4.00%. Requires a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY of 4.00%. New money only. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
