(716) 771-5000 | 1937 Union Road, West Seneca, NY 14224-2022

Effective as of April 28, 2021

Share rates



Term Share (Certificate) Rates

Account Type Term Rate APY*
$1,000 minimum deposit 6 months 0.15% 0.15%
$1,000 minimum deposit 12 months 0.20% 0.20%
 $1,000 minimum deposit 18 months 0.25% 0.25%
 $2,500 minimum deposit 24 months 0.30% 0.30%
 $2,500 minimum deposit 36 months 0.35% 0.35%

Jumbo Term Share (Certificate) Rates

Account Type Term Rate APY*
$99,000 minimum deposit 6 months 0.20% 0.20%
$99,000 minimum deposit 12 months 0.25% 0.25%
$99,000 minimum deposit 18 months 0.30% 0.30%
$99,000 minimum deposit 24 months 0.35% 0.35%
$99,000 minimum deposit 36 months 0.40% 0.40%

Rates effective as of April 28, 2021. *APY = Annual percentage yield. IRA term share deposits available in 12 and 24-month terms. Rates subject to change at any time without notice. Early withdrawal penalty applies.

Savings Rates

Account Type Rate APY*
Regular Share (Savings) Account 0.05% 0.05%
Vacation Club Account 0.05% 0.05%
Holiday Club Account 0.05% 0.05%
Smart Savers Kids’ Account** 0.05% 0.05%

*APY = Annual percentage yield. **Average daily balances of $25.00 or more paid quarterly on Smart Savers Kids’ Account. Average daily balances of $100 or more are paid quarterly on Regular and Club Accounts. Rates subject to change at any time without notice.