Share Certificates

Enjoy time well spent. As your patience pays off and you have enough saved to consider a longer-term investment, put it to work earning more. Choose terms from three months to four years, with the convenience of automatic renewal options.

Monthly dividends
Fixed rates
$1,000 minimum deposit
Additional deposits are not permitted
Early withdrawal penalties apply

Visit one of our five locations in Herkimer, Utica, New Hartford, or Rome, NY to learn more about our share certificates today.


Share Certificate
Term: 12 Months Minimum Balance to Earn Dividends: $1,000.00 Dividend Rate: 0.70% Annual Percentage Yield: 0.70%



Share Certificate
Term: 48 Months Minimum Balance to Earn Dividends: $1,000.00 Dividend Rate: 1.64% Annual Percentage Yield: 1.65%
View all rates

Your savings federally insured to at least $250,000 and backed by the full faith
and credit of the United States Government.

Membership eligibility is required.

This system is restricted to authorized users for legitimate business purposes and is regularly audited.
Unauthorized use of this system is prohibited and may constitute a crime punishable by law.

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