Our Mission

"To meet our members needs for quality financial services and to provide those services in a professional, convenient and efficient manner while maintaining financial stability."

Savings Rates

Effective 04/01/2014

* The Annual Percentage Yield assumes that dividends are to be added to principal.
** For members under 18, the minimum balance to obtain Annual Percentage Yield is $5   
*** Kids under 16 Certificate maximum is $500. Limit one Kids under 16 Certificate per child account. 
****Relationship Rate

Dividend Rate and Annual Percentage Yield as of last dividend declaration date 04/01/2014.

Early Withdrawal Penalties - We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be calculated on the amount withdrawn and will equal 45 days' dividends for certificates with stated maturities of 90 days, 90 days' dividends for certificates with stated maturities of 6 months and 1 year, and 180 days' dividends for certificates with stated maturities of 2 1/2 years and 5 years. There is no penalty on IRA certificates for IRA owners 59 1/2 years of age or older.                                                        

Current dividend rates will be quoted upon request (call 607-724-5876) or at the time of opening an account.

 

Account Type

Minimum Balance to Open Minimum Balance to Obtain APY Dividend Rate Annual Percentage Yield (APY)*
Regular Savings** $5 $150 - & Up .10% .10%
Checking N/A N/A N/A N/A
Money Market $2,500 $2,500  .30% .30%
Club Account N/A $5 - & Up .10% .10%
IRA Savings $5 $5 .25% .25%
Mortgage Escrow N/A $.01 - Up .10% .10%
Certificates / IRA Certificates

Minimum Balance to Open    

Minimum Balance to Obtain APY        

Dividend Rate

Annual Percentage Yield (APY)*          

90 Day $500 $500 0.25% 0.25%
6 Month $500 $500 0.35% 0.35%
1 Year $500 $500 0.45% 0.45%
2 1/2 Year $500 $500 0.90% 0.90%
5 Year $500 $500 1.80% 1.81%
Kids Under 16 $100 $100 1.50% 1.51%