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IRA

Updated 01/25/2022

Account ProductCodeMinimum Opening DepositInterest Rate %APY %
91 Day Traditional / Roth IRAA$100.000.150.15
182 Day Traditional / Roth IRAA$100.000.200.20
1 Year Traditional / Roth IRAA$100.000.300.30
18 Month Traditional / Roth IRAA$100.000.400.40
2 Year Traditional / Roth IRAA$100.000.500.50
2 Year Variable / Traditional / Roth / Educational / IRAA, B$100.000.450.45
30 Month Traditional / Roth IRAA$100.000.600.60
3 Year Traditional / Roth IRAA$100.000.650.65
4 Year Traditional / Roth IRAA$100.000.700.70
5 Year Traditional / Roth IRAA$100.000.800.80

Account Product - 91 Day Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.15APY %0.15

Account Product - 182 Day Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.20APY %0.20

Account Product - 1 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.30APY %0.30

Account Product - 18 Month Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.40APY %0.40

Account Product - 2 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.50APY %0.50

Account Product - 2 Year Variable / Traditional / Roth / Educational / IRA

CodeA, BMinimum Opening Deposit$100.00Interest Rate %0.45APY %0.45

Account Product - 30 Month Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.60APY %0.60

Account Product - 3 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.65APY %0.65

Account Product - 4 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.70APY %0.70

Account Product - 5 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %0.80APY %0.80
A   |   A penalty may be imposed for early withdrawal
B   |   The interest rate and APY may change after account opening.
C   |   Fees may reduce earning on the account.

APY = Annual Percentage Yield.
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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