Investment Rates

Investment Rates

Rate Effective Date: 5/12/2023

IRAs*

       
 Type

Min

Balance

Term

(Months)

 

APR**

 

APY***

Accumulation

none

none

0.10% 0.100%

Roth 

$2,000

12

3.75% 3.815%

Roth

$2,000

24

4.50% 4.594%

Roth

$2,000

36

4.50% 4.594%
Roth $2,000 48 4.25% 4.334%
Roth $2,000 60 3.75% 3.815%
Traditional $2,000 12 3.75% 3.815%
Traditional $2,000 24 4.50%  4.594%
Traditional $2,000 36 4.50% 4.594%
Traditional $2,000 48  4.25% 4.334%
Traditional $2,000 60  3.75% 3.815%

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

 

Share Certificates*

   

Term

 

APR**

 

APY*** 

9 Months  New Money Only

4.25% 4.334%

12 Months

3.75% 3.815%

24 Months

4.50% 4.594%

36 Months

4.50% 4.594%

48 Months

4.25% 4.334%

60 Months

3.75% 3.815%

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

 

Jumbo CD ($200,000 Minimum)*

   
Term APR** APY*** 
24 Months 2.87% 2.91%
36 Months 4.85% 4.859%
48 Months 4.70% 4.803%
60 Months 4.65% 4.75%
*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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