Website Home Page Home > rates

IRA

Updated 03/29/2024

Account ProductCodeMinimum Opening DepositInterest Rate %APY %
91 Day Traditional / Roth IRAA$100.004.404.47
182 Day Traditional / Roth IRAA$100.004.004.04
1 Year Traditional / Roth IRAA$100.001.601.61
18 Month Traditional / Roth IRAA$100.001.851.87
2 Year Traditional / Roth IRAA$100.002.102.12
2 Year Variable / Traditional / Roth / Educational / IRAA, B$100.002.252.27
30 Month Traditional / Roth IRAA$100.002.352.38
3 Year Traditional / Roth IRAA$100.002.602.63
4 Year Traditional / Roth IRAA$100.002.652.68
5 Year Traditional / Roth IRAA$100.002.702.73

Account Product - 91 Day Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %4.40APY %4.47

Account Product - 182 Day Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %4.00APY %4.04

Account Product - 1 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %1.60APY %1.61

Account Product - 18 Month Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %1.85APY %1.87

Account Product - 2 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.10APY %2.12

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

CodeA, BMinimum Opening Deposit$100.00Interest Rate %2.25APY %2.27

Account Product - 30 Month Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.35APY %2.38

Account Product - 3 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.60APY %2.63

Account Product - 4 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.65APY %2.68

Account Product - 5 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.70APY %2.73
A   |   A penalty may be imposed for early withdrawal.
B   |   The interest rate and APY may change after account opening.
C   |   Fees may reduce earnings on the account.

APY = Annual Percentage Yield.
Main Branch
124 Main Street
Delhi, NY 13753
Get Directions
View Location Details Location Details

Delhi Drive-Up
121 Main Street
Delhi, NY 13753
Get Directions
View Location Details Location Details

Margaretville Branch
42568 State Highway 28
Margaretville, NY 12455
Get Directions
View Location Details Location Details

Davenport Branch
2503 Prosser Hollow Rd.
Davenport, NY 13750
Get Directions
View Location Details Location Details

Hobart Branch
1058 Main Street
Hobart, NY 13788
Get Directions
View Location Details Location Details

Sidney Loan Office
276 State Highway 7
Sidney, NY 13838
Get Directions
View Location Details Location Details