Certificate of Deposit Rates
Interest Rates and Annual Percentage Yields* are effective as of November 21, 2022 for Monroe County.
Contact us today for a Certificate of Deposit by visiting your local branch or calling 716.926.3313.
| 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 | 0.10% | 0.10% |
| 1 Year | $500 | 3.94% | 4.00% |
| 13 Months | $500 | 0.05% | 0.05% |
| 15 Months | $500 | 0.05% | 0.05% |
| 18 Months | $500 | 3.21% | 3.25% |
| 2 Years | $500 | 2.72% | 2.75% |
| 2 1/2 Years | $500 | 2.97% | 3.00% |
| 3 Years | $500 | 0.10% | 0.10% |
| 4 Years | $500 | 0.10% | 0.10% |
| 5 Years | $500 | 0.10% | 0.10% |
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.