Deposit Rates

1/20/2020

Product Name	Code(s)*	Min. Opening Deposit	Min. Balance to Obtain Annual Percentage Yield	Interest Rate %	APY (%)
Product Name Statement Savings	Code B, C	Min Opening Deposit $25.00	Min Balance to Obtain Annual Percentage Yield $25.00	Interest Rate 0.30	APY (%) 0.30
Product Name Passbook Savings	Code B,	Min Opening Deposit $5.00	Min Balance to Obtain Annual Percentage Yield $5.00	Interest Rate 0.30	APY (%) 0.30
Product Name Now Account	Code B, C	Min Opening Deposit $1,000.00	Min Balance to Obtain Annual Percentage Yield $1,000.00	Interest Rate 0.20	APY (%) 0.20
Product Name IMMA $1,000.00 - $9,999.99	Code B, C	Min Opening Deposit $1,000.00	Min Balance to Obtain Annual Percentage Yield $1,000.00	Interest Rate 0.30	APY (%) 0.30
Product Name IMMA $10,000.00 - $24,999.99	Code B, C	Min Opening Deposit $1,000.00	Min Balance to Obtain Annual Percentage Yield $10,000.00	Interest Rate 0.35	APY (%) 0.35
Product Name IMMA $25,000.00 - And Up	Code B, C	Min Opening Deposit $1,000.00	Min Balance to Obtain Annual Percentage Yield $25,000.00	Interest Rate 0.40	APY (%) 0.40
Product Name Tax Club	Code B	Min Opening Deposit $10.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.30	APY (%) 0.30
Product Name Christmas Club	Code	Min Opening Deposit $1.00	Min Balance to Obtain Annual Percentage Yield $1.00	Interest Rate 0.70	APY (%) 0.70
Product Name Health Savings Account	Code B	Min Opening Deposit $25.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.30	APY (%) 0.30
Product Name 91 Day CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.46	APY (%) 0.46
Product Name 182 Day CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.70	APY (%) 0.70
Product Name 1 Year CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.85	APY (%) 0.85
Product Name 18 Month CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.95	APY (%) 0.95
Product Name 2 Year CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 1.10	APY (%) 1.10
Product Name 30 Month CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 1.20	APY (%) 1.20
Product Name 3 Year CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 1.30	APY (%) 1.30
Product Name 4 Year CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 1.80	APY (%) 1.81
Product Name 5 Year CD / HSA CD	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 2.35	APY (%) 2.37
Product Name 91 Day Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.46	APY (%) 0.46
Product Name 182 Day Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.70	APY (%) 0.70
Product Name 1 Year Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.85	APY (%) 0.85
Product Name 18 Month Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.95	APY (%) 0.95
Product Name 2 Year Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 1.10	APY (%) 1.10
Product Name 2 Year Variable Traditional / ROTH IRA / Educational IRA	Code A, B	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 0.95	APY (%) 0.95
Product Name 30 Month Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 1.20	APY (%) 1.20
Product Name 3 Year Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 1.30	APY (%) 1.30
Product Name 4 Year Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 1.80	APY (%) 1.81
Product Name 5 Year Traditional / ROTH IRA	Code A	Min Opening Deposit $100.00	Min Balance to Obtain Annual Percentage Yield	Interest Rate 2.35	APY (%) 2.37

* Codes:

A penalty may be imposed for early withdrawal.

The interest rate and annual percentage yield may change after account opening.

Fees may reduce earnings on the account.

The Delaware National Bank of Delhi - Member FDIC and an Equal Housing Member

Main Branch

124 Main Street
Delhi, NY 13753
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Delhi Drive-Up

121 Main Street
Delhi, NY 13753
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Margaretville Branch

42568 State Highway 28
Margaretville, NY 12455
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Davenport Branch

2503 Prosser Hollow Rd.
Davenport, NY 13750
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Hobart Branch

1058 Main Street
Hobart, NY 13788
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Oneonta Loan Office

265 Main Street Suite 7
Oneonta, NY 13820
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Sidney Loan Office

276 State Highway 7
Sidney, NY 13838
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