Current Interest Rates

New York (Capital Region) and Vermont (12303)

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Rates are current as of Thursday, September 19, 2019

Rate type: 
Deposit Account Annual Percentage Yield
Certificates of Deposit  
5 Year CD/ IRA 4 0.25%
4 Year CD/ IRA 4 0.25%
3 Year CD/ IRA 4 0.25%
2 Year CD/ IRA 4 0.25%
18 Month CD/ IRA 4 0.25%
12 Month CD/ IRA 4 0.25%
180 Day CD/ IRA 4 0.05%
30 Day CD/ IRA 4 0.05%
CD Specials  
14 Month CD/ IRA 5 1.55%
7 Month CD/ IRA 5 1.45%
Checking Account  
Home Town Premier Checking 3 0.01%
Savings Accounts 1  
Passbook and Statement Savings1 0.05%
Home Town Savings- $0 to $14,999.99 2 0.05%
Home Town Savings- $15,000 and above 2 0.08%
Money Market  
Money Market- $0 to $14,999.99 6 0.05%
Money Market- $15,000 to $49,999.99 6 0.10%
Money Market- $50,000 to $99,999.99 6 0.30%
Money Market- $100,000 to $499,999.99 6 0.35%
Money Market- $500,000 to $1,999,999.99 6 0.40%
Money Market- $2,000,000 to $4,999,999.99 6 0.70%
Money Market- $5,000,000 and above 6 0.80%


Disclaimer:

(1) A minimum deposit of $50.00 is required to open a Passbook and Statement Savings Account, and you must keep a $200.00 minimum available balance to avoid a monthly service charge and earn interest. Rate may change after account is opened. Fees may reduce earnings.

(2) A minimum deposit of $15,000.00 is required to open a Home Town Savings Account and earn the published APY. If balance is below $15,000 and above $200 the current regular savings rate will apply. Rate may change after account is opened. Fees may reduce earnings.

(3) A minimum deposit of $50.00 is required to open a Home Town Premier Checking account, a minimum collected balance of $500.00 is required to earn interest. Monthly average collected balance of $500.00 or reoccurring direct deposit of payroll, retirement, or social security income is required to avoid $5.00 monthly service fee. Rate may change after account is opened. Fees may reduce earnings.

(4) CD Products - Annual Percentage Yield (APY) assumes principal and interest would remain on deposit for at least one year. The minimum daily balance requirement to open and achieve APY is $500. Interest is accrued daily and credited monthly. Substantial penalty for early withdrawal. Fees may reduce earnings.

(5) Contact Branch to ensure you receive advertised Special Rate on CD. Annual Percentage Yield (APY) assumes principal and interest would remain on deposit for at least one year. The minimum balance requirement to open and achieve APY is $500. Interest is accrued daily and credited monthly. Substantial penalty for early withdrawal. Fees may reduce earnings.

(6) A minimum deposit of $2,500.00 is required to open a Money Market account. A minimum monthly statement balance of $2,500.00 is required to avoid a monthly service charge of $10.00. Rate may change after account is opened. Monthly service charges or fees could reduce earnings. Interest is calculated using the collected balance and interest earnings are accrued without compounding and deposited monthly.

Please note: we reserve the right to alter or withdraw this product or certain features thereof without prior notification. Rates listed are for the branches in the vicinity of the zip code entered.