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473 Broadway Saratoga Springs NY 12866   Tel.: 518-584-5844

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HISTORIC



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Statement Savings Golden Passbook Savings Youth Passbook Savings (age 18 or under) Holiday Savings Certificates of Deposit
Required Opening Deposit

$1.00

$1.00

$1.00

$1.00 $500
Minimum Balance

$50.00 (daily)

$100.00 (daily)

none n/a n/a
Maintenance Fee

Free (if daily balance maintained, otherwise $1 per month)

Free (if daily balance maintained, otherwise $1 per quarter)

none n/a none
Interest Rate
(subject to change without notice) 
- Variable rate
 
- Variable rate
 
- Variable rate
 
n/a
- Fixed rate
Interest Compounding / Creditng Frequency

Monthly/Monthly

Quarterly/Quarterly

Quarterly/Quarterly

n/a Varies by CD type
Minimum Balance to Obtain Interest Rate Disclosed
$50.00
$100.00
$0.01 n/a $500
Transaction Limitations

Unlimited withdrawals and transfers in person, by mail or by ATM.


Transfers to another account or to third parties by telephone or computer transfers are limited to six (6) per month. Transfers by check, draft, debit card, or similar order to third parties are not permitted.

Unlimited withdrawals and transfers in person, by mail or by ATM.

 

Transfers to another account or preauthorized transfers to your account by telephone or computer transfers are limited to six (6) per month.   Transfers by telephone or computer transfers, check, draft, debit card, or similar order to third parties are not permitted.*

Unlimited withdrawals and transfers in person, by mail or by ATM.

 

Transfers to another account or preauthorized transfers to your account by telephone or computer transfers are limited to six (6) per month.   Transfers by telephone or computer transfers, check, draft, debit card, or similar order to third parties are not permitted.*

If any withdrawal is made from account prior to maturity, then the account will be closed.

No additional deposits before maturity. Credited interest can be withdrawn at anytime.

Statement Options

E-Statement - no monthly service charge

Paper Statement - Additional $2.00 monthly service charge

Not applicable

Not applicable

Not applicable

Not applicable

See FEE SCHEDULE for other fees which may apply. * For exisiting customers, revisions will be effective 30 days after we mail notice to you.