Phone: (716) 684-1741 | Routing Number: 222079550
Effective as of 4/1/2025
| Account Type | Rate | APY |
| Share and Club Accounts | .05% | .05% |
| Association Accounts | .05% | .05% |
| Checking Accounts | .00% | .00% |
| Term | Rate | APY |
| 6 month | 3.30 % | 3.35 % |
| 12 month | 3.30 % | 3.35 % |
| 18 month | 3.00 % | 3.04 % |
| 24 month | 3.00 % | 3.04 % |
| 36 month | 3.00 % | 3.04 % |
| 48 month | 3.00 % | 3.04 % |
| Account Type | Rate | APY |
| Gold (minimum $25,00) | .15% | .15% |
| Platinum (minimum $50,000) | .15% | .15% |
~APY = Annual Percentage Yield
~The minimum balance for a term share certificate is $500.00
~The early withdrawal penalty for Term share certificate $500.00 is $50.00 per Term share certificate.
~Any fee imposed on an account will reduce the effective dividend rate.
~Money market rates are determined and paid on a monthly basis.