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473 Broadway Saratoga Springs, NY 12866
Phone: 518-584-5844

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Certificates of Deposit

Certificates of Deposit (CDs)



  • Offers a number of safe, fixed-rate earnings options
  • Flexible maturity terms and competitive interest rates
  • Interest rate guaranteed for length of term
  • Passbook provides convenient record of transactions
  • Accrued interest may be collected, transferred or left in account to compound
  • Tailor your investment to match your individual savings goals
  • CDs are automatically renewable at the current ATC CD rate
  • No monthly service fee
  • Access your account online via WebWise® Online Banking
  • Substantial bank penalty for early withdrawal


Here are some useful calculators for determining how much you can save: How much could I save over time? How can I save a million dollars?