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Term Share Certificates and Money Market Accounts

Earn More On Your Savings

Higher Dividends: Term Share Certificates

Ready to earn more? Your timing is perfect for a Term Share Certificate. Right now, our rate is among the highest we have offered in years: 2.76% APY* for a 12-month term. You’ll earn more than a traditional savings account, and it only requires a $1,000 minimum deposit and committing your funds for the term. Take advantage of this 12-month rate, or choose anywhere from three months to four years (rate depends on term chosen). Want to learn more? Find details on our Term Share Certificates, including rates and tier information. 

  • Monthly dividends
  • Fixed rates based on terms
  • $1,000 minimum deposit to open and earn dividends
  • Additional deposits are not permitted 
  • Early withdrawal penalties apply
  • Fees can reduce earnings on the account
  • APY accurate as of January 18, 2019

Term Share Certificates: Learn More

Option: Money Market Accounts

If you don't meet the terms and minimum deposit requirements of a Term Share Certificate, you can still generally earn more on your savings, and make up to 6 withdrawals per month, with a Money Market account. With a tiered rate structure, you receive higher dividends the more you have in your account. There is no minimum deposit to open the account or to start earning. Want to learn more? Check out the details of our Money Market accounts, including rates and terms. 

  • Monthly dividends
  • Tiered rates based on balance
  • Easy deposits and withdrawals
  • No minimum balance to earn dividends

Money Market Accounts: Learn More

Don’t miss out. Make an appointment with a Financial Service Representative by calling 315-735-8571 or filling out the form below.

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*APY – Annual percentage yield
Share rates and yields are subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings.
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