This account provides a higher Average Percentage Yield (APY) than a regular savings for the term of the certificate.
Features
- Earn a higher Average Percentage Yield (APY).
- Low $500 minimum to open.
- Access to Digital Banking.
- No monthly service fees.
- Deposits are Federally Insured by the NCUA to at least $250,000.
Current Certificate Rates
Certificates with $500 minimum to open and earn APY
Certificates with $500 minimum to open and earn APY
| Term | APY1 |
|---|---|
| 3 Month Plus | 3.00% |
| 6 Month Plus | 3.50% |
| 12 Month Plus | 3.50% |
| 24 Month Plus | 3.50% |
| 36 Month Plus | 3.40% |
| 48 Month Plus | 3.40% |
| 60 Month | 3.40% |
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.
Certificate Truth in Savings Disclosure
1APY=Annual Percentage Yield. Compounded Monthly
Certificates with $25,000 minimum to open and earn APY
Certificates with $25,000 minimum to open and earn APY
| Term | APY1 |
|---|---|
| 3 Month Plus | 3.10% |
| 6 Month Plus | 3.60% |
| 12 Month Plus | 3.60% |
| 24 Month Plus | 3.60% |
| 36 Month Plus | 3.50% |
| 48 Month Plus | 3.50% |
| 60 Month | 3.50% |
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.
Certificate Truth in Savings Disclosure
1APY=Annual Percentage Yield. Compounded Monthly
Certificates with $100,000 minimum to open and earn APY
Certificates with $100,000 minimum to open and earn APY
| Term | APY1 |
|---|---|
| 3 Month Plus | 3.25% |
| 6 Month Plus | 3.75% |
| 12 Month Plus | 3.75% |
| 24 Month Plus | 3.75% |
| 36 Month Plus | 3.60% |
| 48 Month Plus | 3.60% |
| 60 Month | 3.60% |
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.
Certificate Truth in Savings Disclosure
1APY=Annual Percentage Yield. Compounded Monthly
You Could Be The Next BIG WINNER!
Every $25 deposited is a chance to win!*
*up to 10 entries a month. See official Lucky Savers rules here. For more information, please visit www.nycua.org.
We offer Certificates in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.