Certificates of Deposit, IRA and Savings Rates **Certificates of Deposit & IRA Account Rates | 3 Month CD $1,000 minimum to open and obtain APY
(Not available for IRAs) | 0.10% | 0.10% | | 6 Month CD $1,000 minimum to open and obtain APY
(Not available for IRAs) | 0.20% |
0.20% | | 9 Month CD $1,000 minimum to open and obtain APY
(Not available for IRAs) |
0.30% |
0.30% | | 1 Year CD $1,000 minimum to open and obtain APY |
0.40% | 0.40% | | 18 Month CD $1,000 minimum to open and obtain APY |
0.45% |
0.45% | | 2 Year CD $1,000 minimum to open and obtain APY |
0.55% |
0.55% | | 30 Month CD $1,000 minimum to open and obtain APY |
0.65% |
.65% | | 3 Year CD $1,000 minimum to open and obtain APY |
0.85% |
0.85% | | 4 Year CD $1,000 minimum to open and obtain APY |
0.90% |
0.90% | | 5 Year CD $1,000 minimum to open and obtain APY |
1.00% | 1.01% |
***Checking & Savings Accounts | Gold Pyramid Elite (Combined Savings and Checking account product. $25.00 minimum to open. Following minimums required to maintain APY): Savings Account $0 - $4,999 average daily collected balance $5,000 and over average daily collected balance Checking Account $0 - $4,999 average daily collected balance $5,000 and over average daily collected balance | 0.00%
0.40%
0.00%
0.22% | 0.00%
0.40%
0.00%
0.22% | | Regular Savings $20 minimum to open; no minimum to earn APY | 0.25% | 0.25% | | NOW Checking | | Super NOW Checking (No minimum to open. Following minimums required to maintain APY) $0 - $2,499 average daily collected balance $2,500 - $9,999 average daily collected balance $10,000 - $49,999 average daily collected balance $50,000 - $149,999 average daily collected balance $150,000 and over average daily collected balance |
0.00%0.15% 0.25% 0.35%
0.50% |
0.00%0.15% 0.25% 0.35%
0.50% | Regular NOW Checking (Following minimums required to open and maintain APY) $500 minimum to $4,999 $5,000 minimum +
| 0.15% 0.25% | 0.15% 0.25% | | Money Market Deposit Account (Following minimums required to open and maintain APY) |
$5,000 minimum to $9,999
| 0.20% | 0.20% | $10,000 minimum to $99,999 | 0.30% | 0.30% | $100,000 minimum to $249,999 |
0.45% | 0.45% | $250,000 minimum and over |
0.50% |
0.50% | | Ogdensburg and Philadelphia NY Area Markets Only |
Christmas Club (Automatic deposit. $2 minimum to open and obtain APY)
| 0.25% | 0.25% |
*APY accurate as of May
01, 2013. **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. Rates posted on this page are those available in the Rochester NY marketplace as of the date indicated above. Certain residency restrictions may apply to obtain the posted APY on some accounts. 
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