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

Share Rates

Share rates



Effective as of October 28, 2022

Term Share (Certificate) Rates

Account Type Term Rate APY*
$1,000 minimum deposit 6 months 1.00% 1.00%
$1,000 minimum deposit 12 months 1.35% 1.35%
 $1,000 minimum deposit 18 months 1.65% 1.65%
 $2,500 minimum deposit 24 months 1.75% 1.75%
 $2,500 minimum deposit 36 months 1.85% 1.85%

Jumbo Term Share (Certificate) Rates

Account Type Term Rate APY*
$99,000 minimum deposit 6 months 1.05% 1.05%
$99,000 minimum deposit 12 months 1.40% 1.40%
$99,000 minimum deposit 18 months 1.70% 1.70%
$99,000 minimum deposit 24 months 1.80% 1.80%
$99,000 minimum deposit 36 months 1.90% 1.90%

Rates effective as of January 18, 2023. *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.