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Checking Account Rates
APY = Annual Percentage Yield.
Learn more about our Baldwinsville Grand Opening Specials!
Rates effective as of June 21, 2018.
High Interest Checking*
| Balance | Interest Rate | APY | Minimum Balance to Obtain APY | Minimum Deposit to Open |
|---|---|---|---|---|
| up to $15,000 | 1.98% | 2.00% | $.01 | $15 |
| above $15,000 | 0.10% | 0.10% | $.01 | $15 |
| qualifications not met | 0.05% | 0.05% | $.01 | $15 |
To qualify for the 2.00% APY and ATM fee refunds, simply do the following each monthly qualification cycle:
- Receive eStatements
- Have at least one direct deposit post and clear
- Have at least 12 debit card transactions post and clear
See. Unbelievably simple. And even if you don't qualify one cycle, you still have a completely free checking account that earns our base rate of 0.05% APY.
NOW Account
| Interest Rate | APY | Minimum Balance to Obtain APY | Minimum Deposit to Open |
|---|---|---|---|
| 0.030% | 0.030% | $0.01 | $15 |
NOW Non-Personal Account
| Interest Rate | APY | Minimum Balance to Obtain APY | Minimum Deposit to Open |
|---|---|---|---|
| 0.030% | 0.030% | $0.01 | $100 |
Checking Line of Credit
| Interest Rate | Minimum Line | Maximum Line | Annual Fee | Late Payment Fee | Transaction Fee |
|---|---|---|---|---|---|
| 18.00% APR Interest is charged from the transaction date. |
$500.00 | $2500.00 | None | 5% of total due, not to exceed $5.00 |
$5.00 per transaction |
Rates are subject to change without notice
Interest rates may change after customer opens account
Fees could reduce the earning on the account