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IRA

Updated 11/21/2024

Account ProductCodeMinimum Opening DepositInterest Rate %APY %
91 Day Traditional / Roth IRAA$100.004.004.06
182 Day Traditional / Roth IRAA$100.003.753.79
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 %4.00APY %4.06

Account Product - 182 Day Traditional / Roth IRA

CodeAMinimum Opening Deposit$100.00Interest Rate %3.75APY %3.79

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
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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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