Certificate Rates

Hudson Falls Branch Drive-Thu Now Open! We’re pleased to share that the drive-thru at our Hudson Falls branch has reopened and is now operating during normal business hours. Members can also access our e-Teller Machine (ITM) in the drive-thru 24/7 for convenient banking services anytime day or night. Please note that the lobby remains temporarily closed while repairs continue following damage from a recent vehicle accident. We sincerely appreciate your patience and understanding during this time and thank you for your continued membership.

Share Certificates

Share Certificates Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Share Certificates
6 Months$500 Deposit3.21%3.25%
12 Months$500 Deposit3.06%3.10%
18 Months$500 Deposit2.97%3.00%
24 Months$500 Deposit2.48%2.50%
36 Months$500 Deposit2.48%2.50%
48 Months$500 Deposit2.48%2.50%
60 Months$500 Deposit2.48%2.50%
Certificate Special

Limited Time Certificate Special

TermsMinimum to open and obtain APYIRA OfferedRateAPY Certificate Special
Traditional IRA Certificate

Traditional IRA Certificate Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Traditional IRA Certificate
6 Months$500 Deposit3.21%3.25%
12 Months$500 Deposit3.06%3.10%
18 Months$500 Deposit2.97%3.00%
24 Months$500 Deposit2.48%2.50%
36 Months$500 Deposit2.48%2.50%
48 Months$500 Deposit2.48%2.50%
60 Months$500 Deposit2.48%2.50%
Roth IRA Certificate

Roth IRA Certificate Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Roth IRA Certificate
6 Months$500 Deposit3.21%3.25%
12 Months$500 Deposit3.06%3.10%
18 Months$500 Deposit2.97%3.00%
24 Months$500 Deposit2.48%2.50%
36 Months$500 Deposit2.48%2.50%
48 Months$500 Deposit2.48%2.50%
60 Months$500 Deposit2.48%2.50%
Coverdell IRA Certificate

Coverdell IRA Certificate Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Coverdell IRA Certificate
6 Months$500 Deposit3.21%3.25%
12 Months$500 Deposit3.06%3.10%
18 Months$500 Deposit2.97%3.00%
24 Months$500 Deposit2.48%2.50%
36 Months$500 Deposit2.48%2.50%
48 Months$500 Deposit2.48%2.50%
60 Months$500 Deposit2.48%2.50%

Current Rates

Auto Loans
APR as low as
3.99%
Fixed Rate 36 Month
Mortgages
APR as low as
5.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.99%
Adjustable 7/1 ARM (HELOC only)
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
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