Personal Savings Rates

Effective Date: 12/12/2018

Loyalty Savings

 Tier

Minimum to Open

Minimum To Obtain APY

Interest Rate

APY

Tier 1

$500

$0.00 - $499.99

0.00%

0.00%

Tier 2

 

$500 - $2,499.99

0.05%

0.05%

Tier 3

 

$2,500 - $24,999.99

0.10%

0.10%

Tier 4

 

$25,000 - $49,999.99

0.10%

0.10%

Tier 5

 

$50,000 - $99,999.99

0.15%

0.15%

Tier 6

 

$100,000 +

0.20%

0.20%

Loyalty Money Market 

 Tier

Minimum to OpenMinimum to Obtain APYInterest RateAPY
Tier 1 $2,500.00 $0.00 - $2,499.99 0.00% 0.00%
Tier 2   $2,500 - $24,999.99 0.05% 0.05%
Tier 3   $25,000 - $49,999.99 0.10% 0.10%
Tier 4   $50,000 - $99,999.99 0.15% 0.15%
Tier 5   $100,000 + 0.15% 0.15%

 

Additional Savings Rates

Product 

Minimum to Open

Minimum To Obtain APY

Interest Rate

APY

Adirondack Children's Savings

$10

$1

0.10%

0.10%

Hometown Savings

$25

$100

0.05%

0.05%

Holiday Club

$10

$10

0.10%

0.10%

First Home Club Savings

 $25

$100 

0.05% 

0.05% 

 

APY = Annual Percentage Yield. The opening interest rate may vary periodically in accordance with bank policy.
See the account disclosure for additional information.
For current rate information call our Client Service Center at (877) 404-2265, Option 1.
Fees may reduce earnings. All rates are subject to change without notice after the account is opened.

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