• Checking Accounts
• Savings Accounts
• Term Deposits
• Retirement Accounts
• Retirement Calculator
• Other Services Available
• Deposit Rates

A number of choices for low cost checking accounts. All personal checking accounts offer free on-us ATM withdrawals, free POS transactions, and free account inquiries and transfers using the Co-op Connection

Checking Accounts

• Free checking account (Click here for more info)
  Unlimited check writing
  No minimum balance required
  No per-check fees
  No monthly fees
• Low minimum balance account
  No monthly fee if combined daily balance is $500.00
  Statement savings account opened separately
  Free POS transactions (checking only)
• NOW account
  Variable rate of interest
  No monthly fee if daily balance is $750.00
• Overdraft Line of Credit
  Competitive rate
  Available for personal accounts only
• Business Checking Account
  Competitive pricing
  Small to medium size business
  Night depository available

Savings Accounts

• Ultimate Money Market account (click here for more information)
  Tiered, variable rate of interest
  No monthly fee if daily balance is $2,500 or above
  Free first order of checks
  Limited checks and transfers
   
• Money Market account
  Variable rate of interest
  No monthly fee if daily balance is $1,000
  Limited checks and transfers
• Passbook savings account
  Variable rate of interest
  Monthly interest
  Passbook to track your transactions
• Statement savings account
  Variable rate of interest
  Monthly interest
  Monthly statement
  Free on-us ATM withdrawal
• Christmas Club account
  Variable rate of interest
  Passbook to track your transactions
  Deposit any amount, anytime
  Variable rate of interest

Term Deposits

• Term Deposit account
  6 month to 4 year terms
  Passbook to track your transactions
  Monthly interest

Retirement Accounts

• Retirement accounts
  Simple IRA
  Roth IRA
  Coverdell (education) IRA
  SEP

Our Retirement Calculator can help you determine how much you need to invest to meet your retirement goals.

Other Services Available

• VISA® Check Card
  Use at any ATM or Merchant location accepting Visa®
  POS and on us ATM transactions at no charge
  Available for use with checking accounts only
• ATM Card
  Use at any NYCE or PLUS network ATM
  No fee for on us ATM transactions
  Available with checking and statement savings accounts
  Member of SUM™ Network
• Co-op Connection
  Access account information 24 hours a day
  Transfer funds between statement accounts*
  Make loan payments*
  No fees
  

*transfers and payments require completed authorization form