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Member FDIC FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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DEPOSIT RATES

Rates are accurate as of: 12.21.2024

Checking, Savings and Money Market

 
ACCOUNT ANNUAL
PERCENTAGE
YIELD		 INTEREST RATE COMPOUNDED MINIMUM BALANCE
Statement Savings 0.05% 0.05% Monthly $50 daily balance to avoid $1 monthly fee
Student Statement Savings (1)
(age 23 or under)		 0.05% 0.05% Quarterly $1
Golden Passbook Savings 0.05% 0.05% Quarterly $100 daily balance to avoid $1 per quarter fee
Interest Checking (Now) (2) 0.05% 0.05% Monthly $500
Business Interest Checking 0.10% 0.10% Monthly $500
Health Savings Account (1) 1.00% 1.00% Monthly $1
Money Market (MMDA) (3) 0.05% 0.05% Monthly $2,500
High Peaks Tiered Money Market (4)        
I 1.00% 1.00% Monthly $200,000 and over
II 0.50% 0.50% Monthly $100,000 – $199,999.99
III 0.25% 0.25% Monthly $50,000 – $99,999.99
IV 0.15% 0.15% Monthly Under $50,000 (5)
Corporate High Peaks Tiered Money Market (6)        
I 1.00% 1.00% Monthly $500,000 and over
II 0.50% 0.50% Monthly $200,000-$499,999.99
III 0.25% 0.25% Monthly $15,000-$199,999.99
IV 0.15% 0.15% Monthly UNDER $15,000 (7)

(1) $1 minimum balance to open account only. There is no minimum balance to avoid fees or obtain the annual percentage yield.
(2) Not available to businesses
(3) MMDA rate reverts to NOW rate when average balance falls below minimum.
(4) Available to individuals only.
(5) A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month.
(6) Available to businesses and non-profit organizations. Not available to municipalities.
(7) A minimum balance fee of $20.00 will be imposed every month if the balance in the account falls below $15,000 on any day of the month.
All interest rates and Annual Percentage Yields (APYs) are accurate as indicated above and are subject to change any time without prior notice. Fees may reduce earnings.

Certificate of Deposit

Instrument Annual
Percentage
Yield		 Interest Rate Compounded Minimum Balance
91-Day CD/IRA 0.10% 0.10% Simple $500(1)
6-Month CD/IRA 0.15% 0.15% Simple $500(1)
1-Year CD/IRA 0.20% 0.20% Daily $500(1)
2-Year CD/IRA 0.25% 0.25% Daily $500(1)
3-Year CD/IRA 1.01% 1.00% Daily $500(1)
6-Month CD Special* 4.30% 4.25% Simple $500(1)

All interest rates and Annual Percentage Yields (APYs) are accurate as indicated above and are subject to change any time without prior notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity.
(1) IRA Accounts are not subject to the minimum balance requirements.

*Additional terms and conditions apply. Annual Percentage Yield (APY) is accurate as of December 3, 2024. Minimum opening deposit is $500; maximum deposit is $1,000,000. Offer good for a limited time only and may be withdrawn at any time without notice. Rates subject to change without notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity. CD special is available at any Adirondack Trust Company retail branch location.