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IRAs

In any long-term relationship, patience is a virtue. And it's never too early to start saving for retirement. We'll help you ease into a plan that fits your needs, with terms from one to four years and penalty-free rollover options. Choose from Traditional and Roth IRAs to Coverdell Education accounts, and start building your tax-deferred nest egg today.

IRA Share/SEP
  • Monthly dividends
  • Fixed, tiered rates
  • Deposits permitted 
  • No minimum balance
  • Early withdrawal penalties may apply
IRA Certificate
  • Direct transfer and rollovers available
  • Automatic renewal options
  • Monthly dividends
  • Fixed, tiered rates
  • Terms from one to four years 
  • $1,000 minimum deposit  
  • Early withdrawal penalties may apply
  • Deposits not permitted
Money Market IRA
  • Monthly dividends
  • Tiered rates
  • Deposits permitted
  • $5,000 minimum to earn dividends
  • Early withdrawal penalties may apply
Visit one of our four locations today in Utica, Herkimer, and New Hartford, NY.
Regular Share, IRA Share/SEP
Minimum Balance to Earn Dividends: $5,000.00 and Over
Dividend Rate: 0.50%
Annual Percentage Yield: 0.50%
IRA Certificate
Term: 12 Months
Minimum Balance to Earn Dividends: $1,000.00
Dividend Rate: 1.24%
Annual Percentage Yield: 1.25%
IRA Certificate
Term: 48 Months
Minimum Balance to Earn Dividends: $1,000.00
Dividend Rate: 2.62%
Annual Percentage Yield: 2.65%
Money Market & Money Market (IRA)
Minimum Balance to Earn Dividends: $5,000.00-$9,999.99
Dividend Rate: 0.80%
Annual Percentage Yield: 0.80%

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Your savings federally insured to at least $250,000 and backed by the full faith and
credit of the United States Government. Membership eligibility is required.
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