Certificate of Deposit (CDs) Rates

Product Minimum to Open Current Interest Rate Current APY*
90 Day CD $500 0.34% 0.35%
6 Month CD $500 0.39% 0.40%
9 Month CD $500 0.44% 0.45%
12 Month CD $500 0.54% 0.55%
18 Month CD $500 0.59% 0.60%
24 Month CD $500 0.64% 0.65%
36 Month CD $500 0.69% 0.70%
48 Month CD $500 0.74% 0.75%
60 Month CD $500 0.83% 0.85%
72 Month CD $500 0.88% 0.90%
84 Month CD $500 0.93% 0.95%

Rates are effective as of 10/05/2020

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WHAT NEW CUSTOMERS WILL NEED TO OPEN AN ACCOUNT:

  1. You must be 18 years of age or older
  2. Your Social Security Number/Individual Taxpayer Identification Number
  3. Government Issued Identification (Driver's License, State ID, Military ID, or Passport)
  4. Joint account owners must enter and validate their personal information
  5. Your account and routing number, if funding by electronic transfer from another bank

Each new customer must appear personally and provide identification.

Identification acceptable for opening an account include: Two items from Group A or one item from Group A and one item from Group B. All documents must be current and valid.

Group A:

  1. Valid U.S. Passport
  2. Valid U.S. Passport Card
  3. Foreign Passport, if it includes a valid U.S. Visa
  4. U.S. Citizenship papers
  5. New York State Driver or Chauffeur License, bearing official state validation and photo
  6. New York State non-Driver license
  7. Out of State Driver or Chauffeur License, bearing official state validation and photo, where a sample is included in the U.S. Identification Manual
  8. New York State Identification Card, bearing official state validation and photo
  9. Out of State Identification Card, bearing official state validation and photo, where a sample is included in the U.S. Identification Manual
  10. Armed Forces ID Card
  11. New York State Benefit Card – with photo
  12. Learners permit, bearing official state validation and photo,
  13. Permanent Resident Card
  14. VISA

Group B:

  1. Employee's Photo ID Card – Local/Nationally recognized companies only
  2. Major Credit Card (i.e.: Visa, Mastercard, American Express, or Discover Card)
  3. New York State Automobile Registration bearing official state validation
  4. School ID
  5. New York State Benefits Card without a picture
  6. Voter's Registration Card
  7. Working Papers
  8. Library Card
  9. Healthcare Insurance Card
  10. New York City Municipal ID card

For more intricate new accounts, please call your nearest branch to learn more about the required documents to open an account.

 

* Annual Percentage Yield 

Fees charged on some accounts may reduce your earnings.

Early withdrawal penalties apply on CD accounts.

Each IRA certificate of deposit may only be opened as part of an Individual Retirement Account relationship and can only be opened at a branch.

Rates & terms are subject to change without notice.