Investment Rates

Investment Rates

Rate Effective Date: 10/17/2025

IRAs*

       
 Type

Min

Balance

Term

(Months)

 

APR**

 

APY***

Accumulation

none

none

0.100% 0.100%

Roth

$2,000

3

1.960% 1.978%

Roth 

$2,000

12

2.928% 2.970%

Roth

$2,000

24

2.928% 2.970%

Roth

$2,000

36

2.928% 2.970%
Roth $2,000 48 2.928% 2.970%
Roth $2,000 60 2.750% 2.785%
Traditional $2,000 3 1.960% 1.978%
Traditional $2,000 12 2.928% 2.970%
Traditional $2,000 24 2.928% 2.970%
Traditional $2,000 36 2.928% 2.970%
Traditional $2,000 48  2.928% 2.970%
Traditional $2,000 60  2.750% 2.785%

*Penalty for early withdrawal **Annual Percentage Rate ***Annual Percentage Yield

 

Share Certificates*

   

Term

 

APR**

 

APY*** 

3 Months

1.960% 1.978%

12 Months

2.928% 2.970%

24 Months

2.928% 2.970%

36 Months

2.928% 2.970%

48 Months

2.928% 2.970%

60 Months

2.750% 2.785%

$250 minimum

*Penalty for early withdrawal **Annual Percentage Rate ***Annual Percentage Yield   

 

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168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

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