HORIZONS @ HOME CLICK AND PAY

Account TypeMinimum Balance to OpenMinimum Balance to Obtain APYDividend RateAnnual Percentage Yield (APY)*
Regular Savings**$5$150 & Up.10%.10%
CheckingN/A N/A N/A N/A
Money Market $2,500$2,500.30%.30%
Kids Account$5$5.10%.10%
Club AccountN/A $5 & Up .10% .10%
IRA Savings $5 $5 .25% .25%
Mortgage Escrow N/A $.01 - Up .10% .10%
Certificates / IRA CertificatesMinimum Balance to Open Minimum Balance to Obtain APY Dividend RateAnnual Percentage Yield (APY)*
90 Day $500 $500 0.50% 0.50%
6 Month $500 $500 0.90% 0.90%
1 Year $500 $500 1.00% 1.00%
2 1/2 Year $500 $500 2.25% 2.27%
5 Year $500 $500 2.50% 2.53%
Kids Under 16 $100 $100 1.50% 1.51%

Effective 10/4/2018

* 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 7/19/2018. For Annual Percentage Yield, fees can effect your account earnings. Current dividend rates will be quoted upon request (call 607-724-5876) or at the time of opening an account.

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 The penalty will be calculated on the amount withdrawn and will equal: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
  • 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.

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