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13-Month CD

13-Month CD Special*

A 13-month, 3.25% Interest Rate, 3.30% APY Certificate of Deposit 

Beat unpredictability with a long-term Fixed Rate CD. Interest is compounded monthly and credited at month-end and at maturity. Account holders receive a quarterly statement on this account.

 

Contact Your Local Banker To Sign Up

 

*A daily balance method will be used to calculate interest on the account, and a daily periodic rate will be applied to the principal. You must deposit $1,000.00 to open this account and you must maintain a minimum balance of $500.00 in the account to obtain the disclosed annual percentage yield (APY). If you withdraw any of the principal before the maturity date, we may impose a penalty of one-hundred and eighty days simple interest at the rate in effect on the account. Interest earned within a term may be withdrawn, but withdrawal will reduce earning. Fees could reduce earnings. There is a limit of $250,000.00 deposited per tax owner for this product. APY is effective August 12th, 2025.

 

 

Maria Peacock

Maria Peacock

Potsdam, NY Branch

Relationship Banker

Allyson headshot

Allyson Reome

Malone, NY Branch

Relationship Banker

Autumn Moore

Autumn Moore

Ogdensburg, NY Branch

Relationship Banker