All offices and drive-up windows will be closed on Monday, May 29th in observance of Memorial Day.

Information about our merger and your transition to NBT can be found at

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Effective Date: Friday May 26, 2023

On Balances APY*
$0.01 - $99,999.99 0.15%
$100,000.00 - $249,999.99 0.18%
$250,000.00 - $499,999.99 0.20%
$500,000.00 - $999,999.99 0.20%
$1,000,000.00 and over 0.20%


* APY is defined to mean Annual Percentage Yield. Interest is compounded daily, credited monthly and paid to the State Agency designated by statute.

Frequency - interest will be compounded daily and credited monthly and paid to the State Agency designated by statute. If you close your account before interest is credited, you will receive the accrued interest.

We use the “daily balance method” to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Interest begins to accrue on the first business day after the business day you deposit non-cash items (for example, checks).

Fees may reduce earnings. Please see our separate Fee Schedule for other fees that may apply to this account.

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