Call us at 315-484-2201
Checking Account Rates
APY = Annual Percentage Yield.
Rates effective as of January 21, 2019.
High Interest Checking Special*
| Balance | Interest Rate | APY | Minimum Balance to Obtain APY | Minimum Deposit to Open |
|---|---|---|---|---|
| up to $15,000 | 3.93% | 4.00% | $.01 | $15 |
| above $15,000 | 0.10% | 0.10% | $.01 | $15 |
| qualifications not met | 0.05% | 0.05% | $.01 | $15 |
To qualify for the 4.00% APY and ATM fee refunds, simply do the following each monthly statement cycle:
- Receive eStatements
- Have at least one direct deposit post and clear
- Have at least 12 debit card transactions post and clear
- Current checking account holders or those who closed a checking account within the last 90 days are not eligible for this offer.
See. Unbelievably simple. And even if you don't qualify one cycle, you still have a checking account that earns our base rate of 0.05% APY.
* High Interest Checking Special: 4.00% APY on balances up to $15,000 is available for 12 months after account opening if account qualifications and rate tiers are met. Rate may change after promotional period. Promotion may end without notice
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 statement 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 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 |
|---|---|---|---|
| 0.080% | 0.080% | $0.01 | $15 |
NOW Non-Personal Account
| Interest Rate | APY | Minimum Balance to Obtain APY | Minimum Deposit to Open |
|---|---|---|---|
| 0.080% | 0.080% | $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