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Certificates of Deposit, IRA and Savings Rates
**Certificates of Deposit & IRA Account Rates
| 3 Month CD $1,000 minimum to open and obtain APY |
1.98% |
2.00% |
| 6 Month CD $1,000 minimum to open and obtain APY |
2.47% |
2.50% |
| 9 Month CD $1,000 minimum to open and obtain APY |
2.62% |
2.65% |
| 1 Year CD $1,000 minimum to open and obtain APY |
3.68% |
3.75% |
| 18 Month CD $1,000 minimum to open and obtain APY |
4.16% |
4.25% |
| 2 Year CD $1,000 minimum to open and obtain APY |
3.54% |
3.60% |
| 30 Month CD $1,000 minimum to open and obtain APY |
3.58% |
3.65% |
| 3 Year CD $1,000 minimum to open and obtain APY |
3.68% |
3.75% |
| 4 Year CD $1,000 minimum to open and obtain APY |
3.68% |
3.75% |
| 5 Year CD $1,000 minimum to open and obtain APY |
3.92% |
4.00% |
***Checking & Savings Accounts
| Gold Pyramid Plus Savings $1,000 minimum
to open and obtain APY |
1.59% |
1.60% |
| Regular Savings
$20 minimum to open; no
minimum to earn APY |
1.04% |
1.05% |
| NOW Checking |
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Gold Pyramid Checking
No minimum balance requirement |
1.00% |
1.00% |
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Regular NOW
(Following minimums required to open and maintain APY)
$500 minimum to $4,999
$5,000 minimum + |
0.40%
0.75% |
0.40%
0.75% |
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| Money Market Deposit Account
(Following minimums required to open and maintain APY) |
$5,000 minimum to $9,999 |
0.75% |
0.75% |
$10,000 minimum to $99,999 |
0.99% |
1.00% |
$100,000 minimum to $249,999 |
1.59% |
1.60% |
$250,000 minimum and over |
1.88% |
1.90%
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| Lisbon, Ogdensburg, and Philadelphia NY Area Markets Only |
Christmas Club ($2 minimum to open and obtain APY) |
2.00 |
2.02% |
Passbook Plus ($5,000 minimum to open and obtain APY)
|
1.19% |
1.20% |
*APY accurate as of August 25, 2008.
**There may be a penalty imposed for early withdrawal.
***Fees could reduce earnings and rate and APY may change after the account is opened.
Please contact your local branch office to obtain minimum deposit and balance requirements for all accounts, penalties for early withdrawals, account specifics and full disclosures.
Certain residency restrictions may apply to obtain the posted APY on some accounts.
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New....Upstate Online!
We, at The Upstate National Bank are pleased and excited to introduce to you our new online banking, Upstate Online!
This new and enhanced banking system is more secure against Identity Theft with the addition of Multifactor Authentication (an enhanced, layered method of validating your identity). Also, it gives you, our customer, more viewing options and transfer capabilities. You
can even personalize your individual accounts!
Please call 1-800-219-6109 with any questions. As always, we will be happy to assist you.
Thank you for doing business with us!
Small Business Owners / Rochester Looking to borrow money from someone who understands
your business, who lives in the same community as you, where
lending decisions are made locally? Then talk to the staff in
our Commercial Lending Division! They are what makes
our hometown approach so special! Call Thomas O'Neil at 1-800-543-9064 to get first hand
knowledge, and local expertise, for all of your conventional
borrowing needs...
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