Certificate of Deposit Rates

Interest Rates and Annual Percentage Yields are effective as of July 16th, 2021 for Erie, Niagara, and Chautauqua County.

Term Minimum Balance Interest Rate Annual Percentage Yield*
91 Days*** $500 0.02% 0.02%
6 Months** $500 0.03% 0.03%
7 Months*** $500 0.03% 0.03%
9 Months $500 0.03% 0.03%
1 Year $500 0.05% 0.05%
13 Months $500 0.15% 0.15%
15 Months $500 0.05% 0.05%
18 Months $500 0.05% 0.05%
2 Years $500 0.10% 0.10%
2 1/2 Years $500 0.10% 0.10%
3 Years $500 0.10% 0.10%
4 Years $500 0.10% 0.10%
5 Years $500 0.10% 0.10%
Return to Current Rates

Fees could reduce earnings. Early withdrawal penalty may apply. Rates subject to change without notice. Minimum balance to open an account is $500.

Additional Terms Available.

*With exception of 91 day, 6 month, and 7 month certificates, Annual Percentage Yield (APY) is based on 365 (or 366 in a leap year) days with interest compounded and credited quarterly provided money is left on deposit for a full calendar year.

**Annual Percentage Yield (APY) is based on 365 days (or 366 in a leap year) with interest compounded and credited semi-annually provided money is left on deposit for a full calendar year.

***Annual Percentage Yield (APY) is based on 365 days (or 366 in a leap year) with interest compounded and credited quarterly and provided money is left on deposit for a full calendar year.

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