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IRA

Updated 10/15/2025

Account ProductCodeMinimum Opening DepositInterest Rate %APY %
91 Day Traditional / Roth IRAA$100.003.5253.570
182 Day Traditional / Roth IRAA$100.003.2753.300
1 Year Traditional / Roth IRAA$100.001.6001.610
18 Month Traditional / Roth IRAA$100.001.8501.870
2 Year Traditional / Roth IRAA$100.002.1002.120
2 Year Variable / Traditional / Roth / Educational / IRAA, B$100.002.2502.270
30 Month Traditional / Roth IRAA$100.002.3502.380
3 Year Traditional / Roth IRAA$100.002.6002.630
4 Year Traditional / Roth IRAA$100.002.6502.680
5 Year Traditional / Roth IRAA$100.002.7002.730

Account Product - 91 Day Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %3.525APY %3.570

Account Product - 182 Day Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %3.275APY %3.300

Account Product - 1 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %1.600APY %1.610

Account Product - 18 Month Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %1.850APY %1.870

Account Product - 2 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.100APY %2.120

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

CodeA, BMinimum Opening Deposit$100.00Interest Rate %2.250APY %2.270

Account Product - 30 Month Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.350APY %2.380

Account Product - 3 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.600APY %2.630

Account Product - 4 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.650APY %2.680

Account Product - 5 Year Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %2.700APY %2.730
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
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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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Sidney Loan Office
276 State Highway 7
Sidney, NY 13838
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