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Current Rates on Accounts

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States by the National Credit Union Administration (NCUA), a U.S. Government Agency.

Member Certificates

For Nonmember Rates, view our Community Investment Certificates.

Type of Certificate APY* Minimum
Balance
3 Month 0.09% $4,000
  0.12% $50,000
  0.14% $100,000
  0.15% $245,000
Big Bank Avg** 0.04%  
6 Month 0.10% $4,000
  0.13% $50,000
  0.15% $100,000
  0.16% $245,000
Big Bank Avg** 0.05%  
12 Month 0.16% $4,000
  0.19% $50,000
  0.21% $100,000
  0.22% $245,000
Big Bank Avg** 0.06%  
18 Month 0.16% $4,000
  0.19% $50,000
  0.21% $100,000
  0.22% $245,000
Big Bank Avg** 0.08%  
24 Month 0.16% $1,000
  0.19% $50,000
  0.21% $100,000
  0.22% $245,000
Big Bank Avg** 0.10%  
30 Month 0.16% $1,000
  0.19% $50,000
  0.21% $100,000
  0.22% $245,000
Big Bank Avg** 0.10%  
36 Month 0.22% $1,000
  0.25% $50,000
  0.27% $100,000
  0.28% $245,000
Big Bank Avg** 0.21%  
48 Month 0.36% $1,000
  0.39% $50,000
  0.41% $100,000
  0.42% $245,000
Big Bank Avg** 0.28%  
60 Month 0.55% $1,000
  0.58% $50,000
  0.60% $100,000
  0.61% $245,000
Big Bank Avg** 0.42%  

Share Savings & Money Market Accounts

Type of Account APY* Minimum
Balance
Share Savings 0.02% $5;
$50 to earn dividends
Big Bank Avg** 0.02%  
Super Share                 (Money Market) 0.05% $2,500
Big Bank Avg** 0.02%  
Super Share Checking (Money Market) 0.04% $4,500
Big Bank Avg** 0.01%  

Individual Retirement Accounts (IRAs)

Type of IRA APY* Minimum
Balance
12 Month Certificate 0.16% $1,000
  0.19% $50,000
  0.21% $100,000
  0.22% $245,000
Big Bank Avg** 0.07%  
24 Month Certificate 0.16% $1,000
  0.19% $50,000
  0.21% $100,000
  0.22% $245,000
Big Bank Avg** 0.11%  
36 Month Certificate 0.22% $1,000
  0.25% $50,000
  0.27% $100,000
  0.28% $245,000
Big Bank Avg** 0.27%  
48 Month Certificate 0.36% $1,000
  0.39% $50,000
  0.41% $100,000
  0.42% $245,000
Big Bank Avg** 0.28%  
60 Month Certificate 0.55% $1,000
  0.58% $50,000
  0.60% $100,000
  0.61% $245,000
Big Bank Avg** 0.42%  
IRA Shares 0.02% $50
  0.05% $1,000
Big Bank Avg** 0.17%  

*APY is the Annual Percentage Yield. Rates on Share Savings, Super Share Accounts, and Super Share Draft Accounts can change after the account is opened. Fees could reduce earnings on the account. Penalty may be imposed for early withdrawal. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States by the National Credit Union Administration (NCUA), a U.S. Government Agency. Rates offered as of 03/02/2018.

**Averages based on Rate Survey as of 02/06/2018 for Bank of America - Syracuse, Chase Bank - Syracuse, Citizens Bank - Syracuse, Key Bank - Syracuse and M&T Bank - Syracuse, where comparable product data is available.