Money Market CHECKING
Balance |
Dividend Rate |
APY* |
$50.00 to $2,499.99 |
1.094% |
1.10% |
$2,500.00 to $9,999.99 |
1.223% |
1.23% |
$10,000.00 to $24,999.99 |
1.391% |
1.40% |
$25,000.00 to $249,999.99 |
1.785% |
1.80% |
$250,000 and over |
0.000% |
0.00% |
|
Certificate Accounts
Term |
Dividend Rate / APY*
|
Member Loyalty Certificate APY+
Available for money on deposit at the credit union.
|
Certificate of Deposit Special
30 Days to 6 months
You pick the term from as low as 30 days up to 6 months.
Valid on new deposits only.
|
Dividend Rate
3.93%
APY*
4.00%
|
N/A |
3 Months
90 to 179 days |
Dividend Rate
0.05%
APY*
0.05% |
Dividend Rate
1.17%
APY*
1.18%
|
6 Months
180 to 359 days |
Dividend Rate
0.10%
APY*
0.10%
|
Dividend Rate
1.44%
APY*
1.45%
|
12 Months
360 to 719 days |
Dividend Rate
0.15%
APY*
0.15%
|
Dividend Rate
1.39%
APY*
1.40%
|
2 Years
720 to 1,079 days |
Dividend Rate
0.15%
APY*
0.15%
|
Dividend Rate
1.54%
APY*
1.55%
|
3 Years
1,080 to 1,439 days |
Dividend Rate
0.15%
APY*
0.15%
|
Dividend Rate
1.59%
APY*
1.60%
|
4 Years
1,440 to 1,799 days |
Dividend Rate
0.15%
APY*
0.15%
|
Dividend Rate
1.59%
APY*
1.60%
|
5 Years
1,800 days |
Dividend Rate
0.20%
APY*
0.20%
|
Dividend Rate
1.69%
APY*
1.70%
|
|
CHECKING Products
|
Minimum Balance
Requirement |
APY* |
Basic Checking |
none |
0.00% |
Premier Checking |
none |
0.05% |
High Yield Checking |
none |
0.05% |
|
IRA Savings
|
APY* |
IRA Shares |
0.25% |
|
IRA Certificate Accounts
Term |
APY* |
1 Month
30 to 59 days |
0.05% |
2 Months
60 to 89 days |
0.05% |
3 Months
90 to 119 days |
0.05% |
4 Months
120 to 179 days |
0.05% |
6 Months
180 to 359 days |
0.10% |
12 Months
360 to 719 days |
0.15% |
2 Years
720 to 1,079 days |
0.15% |
3 Years
1,080 to 1,439 days |
0.15% |
4 Years
1,440 to 1,799 days |
0.15% |
5 Years
1,800 to 2,159 days |
0.20% |
6 Years
2,160 to 2,519 days |
0.20% |
7 Years
2,520 days |
0.20% |
|
SAVINGS Products
|
Minimum Balance
Requirement |
APY* |
Savings |
$2.50 |
0.05% |
Holiday Club |
None |
|
$0.01 to $5,000
|
|
0.25% |
Above $5,000 |
|
0.00% |
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more. |
Financial Planning & Insurance
Part of ensuring a strong financial picture today and tomorrow lies in protecting the assets you have built and planning out for your future.
Planning for Today, Tomorrow and Beyond
Sterling Manor Financial, LLC
If you are in need of extensive financial planning services that extend beyond the credit union’s product offerings, look to Sterling Manor Financial, LLC. Sterling Manor Financial has been helping credit union members with financial planning and investment services. The organization often provides seminars and presentations to educate and inform members with very deep roots in the Saratoga Springs community. As a credit union member you will receive a complimentary consultation for financial planning, college planning, retirement planning, investment management and more.
Consultation Request Form
Toll-Free: 866.450.5655
Office: 518.583.4040
Fax: 518.583.4624
18 Division Street, Suite 202
Saratoga Springs, NY 12866
SAJ@SterlingManorFinancial.com
www.sterlingmanorfinancial.com/
Protect the Ones You Love
Different life stages mean different responsibilities. As those commitments build, grow and change, make sure to evaluate the insurance coverage you need to protect them. Some aspects of insurance can be complex, but you do not have to be an expert. That’s why we are here to help you with sound information and the tools you need to make the right decisions.

TruStage® Auto & Home Insurance Program
Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
Get your free quote online today or call 1-855-589-2146.
