New Account Specials

Who needs a free gift when you have rates like these?

Earn up to 3.00% APY* every month

Sure, we could give you a free toaster, camp chair, tool kit or mug to celebrate the opening of our Baldwinsville branch — but we thought you’d enjoy cold, hard cash a lot more.

Take advantage of our special, celebratory rates on our checking and savings accounts while they last. We’re proud to now serve the Baldwinsville community!

All accounts can be opened online or in any of our branch locations!

*3.00% High Interest Checking Disclosure:

*Annual Percentage Yield (APY) is accurate as of 4/23/2018. 3.00% 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 an 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 2.96% with an APY of 3.00%. 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 3.00% 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. Member FDIC.

**1.00% Savings Account Disclosure:

*Annual Percentage Yield (APY) accurate as of 4/23/18. 1.00% APY applies only to new money for 12 months from account opening date if rate tiers are met. Current savings or money market account holders or those who have closed an account within the last 90 days are not eligible for this offer.  Limit one new savings account per tax ID.  Rate may change after promotional period. If your daily balance is $250,000 or less, the interest rate will be 0.99% with an APY of 1.00%. An interest rate of 0.03% will be paid only for that portion of your daily balance that is greater than $250,000. The APY for this tier will range from 0.03% to 1.00% depending on the balance in the account. Minimum deposit is $1. A $400 average daily balance is required to avoid a $4 monthly maintenance fee.  Fees may reduce earnings. Promotion may end without notice. Member FDIC.

***2.25% Money Market Disclosure:

*Annual Percentage Yield (APY) accurate as of 4/23/18. 2.25% APY applies only to new account holders that deposit new money and establish a new High Interest, Emerald, or Direct Rewards checking account relationship with a $500 direct deposit each statement cycle. Current checking account holders or those who have closed an account within the last 90 days are not eligible for this offer. Limit one new account per tax ID. Rate is guaranteed for 12 months from account opening date if account qualifications and rate tiers are met. Rate may change after promotional period. If your daily balance is $100,000 or less, the interest rate will be 2.22% with an APY of 2.25%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $250,000. The APY for this tier will range from 0.10% to 2.25% depending on the balance in the account. If a monthly direct deposit is not received in a High Interest, Emerald, or Direct Rewards checking account, the rate for this account will be 0.10% with a 0.10% APY on all balances. Minimum deposit is $2,500. A $2,500 average daily balance is required to avoid a $5 monthly maintenance fee and a $0.15 transaction fee. Fees may reduce earnings. Promotion may end without notice. Member FDIC.

 

****3.00% Certificate of Deposit & IRA for 36 mos Disclosure:
*Annual Percentage Yield (APY) is accurate as of 3/1/2018. An initial rate of 2.96% with an 3.00% APY applies only to account holders that deposit new money and establish a new High Interest or Direct Rewards checking account relationship with a $500 direct deposit each statement cycle for the initial CD term. CD is automatically renewed at a rate determined on the maturity date. An interest rate of 1.04% with an APY of 1.05% will apply to all balances if a direct deposit is not received within 60 days of account opening or is discontinued during the initial CD term. Minimum deposit is $500; maximum deposit is $250,000. Penalty may be imposed for early withdrawal.  Other restrictions may apply.  One account per tax ID.  Offer valid on personal accounts only. Rate is subject to change without notice. Fees may reduce earnings.  Promotion may end without notice. Member FDIC.

*****2.25% Certificate of Deposit for 24 mos Disclosure:

*Annual Percentage Yield (APY) is accurate as of 4/23/2018. An initial rate of 1.98% with 2.25% APY applies only to account holders that deposit new money for the initial CD term. CD is automatically renewed at a rate determined on the maturity date. Offer valid on personal accounts only. Minimum deposit is $500; maximum deposit is $250,000. Penalty may be imposed for early withdrawal.  Other restrictions may apply.  One account per tax ID.  Rate is subject to change without notice. Fees may reduce earnings.  Promotion may end without notice. Member FDIC.