Personal Banking Products

Personal Loans*

  • Fixed Rate Home Equity
  • Home Equity Line of Credit
  • Ready Reserve
  • Personal Loans

Free Checking

  • FREE to open account
  • No Minimum balance requirement

Personal Interest Checking

  • $100.00 to open account
  • $1,000.00 average monthly Balance requirement
  • Below $1,000.00, $10.00 monthly service charge
  • Interest bearing account-Contact us for Rates

Relationship Reward Interest Checking

  • $1,000.00 to open account
  • $25,000.00 minimum balance requirement, includes balances in Checking/Savings and Time Deposits
  • Below $25,000.00, $10.00 monthly service charge
  • Interest bearing account-Contact us for Rates

Relationship Reward Money Market

  • $1,000.00 to open account
  • $25,000.00 minimum balance requirement includes balances in Checking/Savings and Time Deposits.
  • Below $25,000.00, $10.00 monthly service charge
  • Transfers are limited to 6 per statement cycle. A $10 excess transaction fee will be assessed for each transaction exceeding the limitations.
  • Interest rates based on tiered system, contact us for rates

Personal Money Market

  • $1,000.00 to open account
  • $1,000.00 minimum balance requirement
  • Below $1,000.00, $10.00 monthly service charge
  • Transfers are limited to 6 per statement cycle. A $10 excess transaction fee will be assessed for each transaction exceeding the limitations.

Personal Savings

  • $100.00 to open account
  • $300.00 average quarterly balance requirement
  • Below $300.00, $5.00 quarterly service charge
  • $3.00 per withdraw in excess of 20 per quarter
  • Fees waived for minor accounts

Certificate of Deposits/IRA Accounts

  • Term - 3 to 60 month
  • Contact us for Current Rates
  • Minimum $1000.00 to open account

ATM Transactions

  • ATM located @ 73 Chestnut St. Cooperstown, NY 13326
  • Fees waived for the first 6 foreign transactions per month

* All loans are subject to credit approval.