Certificate of Deposit Rates*

12 months: 4.50% APY
24 months: 4.70% APY
36 months: 4.90% APY
48 months: 5.10% APY
60 months: 5.30% APY
84 months: 5.50% APY

Money Market Rates*

$500+: 2.78% APY

IRA Rates*

$500+: 2.78% APY

Savings Account Rates*

$100+: 0.25% APY

Club Accounts Rates*

On balances from $0.01 – $5,000.00: 3.04% APY
On balances over $5,000.00: 0.05% APY

*Certificate rates shown are as of February 1, 2023. Please call the office @ (716) 833-9670 for the current rates. Money Market and IRA rates shown are anticipated monthly dividends and could change based on market conditions.  APY indicates the Annual Percentage Yield.  The minimum dollar amount required to open a Certificate of Deposit is $500.  There is no minimum dollar amount to earn the APY on Certificate of Deposits.  The APY is paid on the entire balance.  Fees could reduce the earnings on the account.  An early withdrawal penalty will be imposed on early withdrawals.  The early withdrawal penalty is equal to half the days interest to maturity earned on the respective term.  Dividends are paid monthly on IRAs and Money Market accounts.  Dividends are paid at maturity on Certificate of Deposits.