IMPORTANT INFORMATION:  Please be advised that due to sidewalk construction at the 185 Genesee Street branch, our ATM will not be available after normal banking hours.  Please use the ATMs at 2817 Genesee Street, Commercial Drive or our Whitesboro branch.  We apologize for the inconvenience.

Personal Savings Rates

Effective Date: 01/04/2021

Loyalty Savings

Tier Minimum to Open Mimimum to Obtain APY Interest Rate APY
Tier 1 $500 $0.00 - $24,999.99 0.01% 0.01%
Tier 2 $25,000 - $99,999.99 0.01% 0.01%
Tier 3 $100,000 - $499,999.99 0.01% 0.01%
Tier 4 $500,000 - $1,999,999.99 0.03% 0.03%
Tier 5 $2,000,000 - $4,999,999.99 0.03% 0.03%
Tier 6 $5,000,000 + 0.05% 0.05%

Loyalty Money Market

Tier Minimum to Open Mimimum to Obtain APY Interest Rate APY
Tier 1 $2,500.00 $0.00 - $99,999.99 0.01% 0.01%
Tier 2 $100,000 - $249,999.99 0.01% 0.01%
Tier 3 $250,000 - $1,999,999.99 0.03% 0.03%
Tier 4 $2,000,000 - $4,999,999.99 0.03% 0.03%
Tier 5 $5,000,000 + 0.05% 0.05%

Additional Savings Rates

Product Minimum to Open Mimimum to Obtain APY Interest Rate APY
Adirondack Children's Savings $10 $1 0.01% 0.01%
Hometown Savings $25 $100 0.01% 0.01%
Holiday Club $10 $10 0.01% 0.01%
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