Account Type APY* Minimum Requirement to Earn APY*
NOW Checking
$25 minimum balance to open
More Details
0%
0.05%
0.05%
0.05%
0.05%
$0 – $499
$500 – $999
$1,000 – $9,999
$10,000 – $49,999
$50,000 over
50/50 Checking
$25 minimum balance to open
More Details
0%
0.05%
0.05%
$0 – $999.99
$1,000 – $10,000
$10,000.01 over
Statement Savings
$25 minimum balance to open
More Details
0%
0.05%
0.05%
0.05%
0.05%
$0 – $499
$500 – $999
$1,000 – $9,999
$10,000 – $49,999
$50,000 over
Choice Savings
$5 minimum balance to open
More Details
0%
0.05%
0.05%
0.05%
0.05%
$0 – $4
$5 – $99
$100 – $499
$500 – $999
$1,000 over
School Savings
$1 minimum balance to open
More Details
0.25% $1.00
Security Deposit Savings
$100 minimum balance to open
More Details
0.05% $300

Certificates of Deposit**

Term APY* Minimum Requirement to Earn APY*
5 Month PROMO 0.20% $500
11 Month PROMO 0.30% $500- this CD is eligible for one penalty free withdrawal. Additional Penalties may apply
18 Month PROMO 0.35% $500
24 Month PROMO 0.45% $500
36 Month PROMO 0.45% $500
48 Month PROMO 0.45% $500

Annual Percentage Yields (APY) are current as of 1/20/2022.
Rates are subject to change without prior notice.
Fees may reduce earnings.
*APY = Annual Percentage Yield.
**A penalty may be imposed for early withdrawal.

In an effort to keep our customers and employees safe during this time of rising COVID cases, effective Thursday, January 6th, 2022 our Saugerties, Marlboro and Highland branch lobbies will be CLOSED temporarily. Our Drive-Up windows and Fast Track Banking ARE AVAILABLE. Learn More