BRANCHES WILL OPERATE AS DRIVE-THRU ONLY ON SATURDAY OCTOBER 23rd, 2021: Due to staffing challenges, we regret to inform that both our Albany and Troy branch lobbies will be closed on Saturday October 23, 2021. Our staff are happy to accommodate most requests during our regular Saturday hours 9am-1pm at the drive-thru or by phone at 518-286-1611. Both branches plan to resume regular lobby and drive-thru access on Monday October 24th. Thank you for your understanding and patience.

Deposit Account Rates

As of September 23, 2021

Rates subject to change without notice.

Current Prime Rate: 3.25%

Rates
Account Type Current Rate Current APY*
Regular Share Accounts 0.05% 0.05%
Summer Share Accounts 0.05% 0.05%
Vacation Share Accounts 0.05% 0.05%
Holiday Club Accounts 0.05% 0.05%
Secured Share Accounts 0.05% 0.05%
Share Draft Accounts 0.00% 0.00%
Educational Individual Retirement Share Accounts 0.10% 0.10%
Traditional and Roth Individual Retirement Share Accounts - Tiered Rates
Amount Current Rate Current APY*
$0 - $2,499.99 0.10% 0.10%
$2,500 - $9.999.99 0.15% 0.15%
$10,000 - $24,999.99 0.20% 0.20%
$25,000 - $49,999.99 0.30% 0.30%
$50,000 + 0.35% 0.35%
Money Market Checking/Savings Accounts - Tiered Rates. Minimum balance of $2,000 to earn interest.
Amount Current Rate Current APY*
$2,000 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.15% 0.15%
$25,000 - $49,999.99 0.20% 0.20%
$50,000 - $149,999.99 0.30% 0.30%
$150,000 + 0.35% 0.35%
Share Certificates**
Term Current Rate Current APY*
3-month 0.15% 015%
6-month 0.15% 0.15%
12-month 0.15% 0.15%
15-month SPECIAL 0.45% 0.45%
18-month 0.20% 0.20%
24-month 0.30% 0.30%
30-month 0.40% 0.40%
36-month 0.50% 0.50%
48-month 0.60% 0.60%
60-month 0.70% 0.70%

*Annual Percentage Yield. Fees may reduce earnings.

**Minimum Balance to open a Share Certificate is $500. For IRA certificates add 10 basis points to the current listed rate - includes Traditional, Roth and Education IRA's. IRA certificates are not available for the 15-month special term. Share Certificates are subject to an early withdrawal penalty.

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