Make a Commitment to Saving Money

By opting into a CD account, you are making a commitment to keep your money invested and growing over time. The longer your savings commitment, the more you will earn. And, since we understand that each of our community members has unique financial needs, we offer flexible time periods from 1 month to 5 years. At the end of your term, there is no need to make a trip to our branch to renew. We will automatically roll you into another CD unless you choose to redeem your certificate.

Make an appointment, or just pop in, and one of our member service representatives in Plattsburgh, Tupper Lake, or Potsdam can help you determine what term is right for your CD.

Become a Member

Certificate of Deposit (CD) Rates

CD rates are accurate as of 07/01/2022
Term Annual Percentage Rate
(APR)
Annual Percentage Yield
(APY)
Minimum Deposit
Share Certificates (CD's)      
1 Year 0.40% 0.40% $1,000.00
2 Years 0.50% 0.50% $1,000.00
3 Years 0.65% 0.65% $1,000.00
4 Years 0.80% 0.80% $1,000.00
5 Years 1.00% 1.00% $1,000.00