Share and Certificate rates subject to change without notice. Rates effective as of 09/01/26.
Summer Saver Special!
6 and 12 month terms as high as 4.00%APY*
Savings & Certificates Rates
| | APR | APY |
|---|---|---|
| 01 / Regular Share (min. $100) | 0.05% | 0.05% |
| 03 / Business Share (min. $100) | 0.05% | 0.05% |
| 10 / Club (Holiday) (min. $100) | 0.05% | 0.05% |
| 11 / Club (Vacation) (min. $100) | 0.05% | 0.05% |
| 13 / Club (Save2Grow) (min. $100-$500) | 2.96% | 3.00% |
| 11 / Club (Save2Grow) (>$500.01) | 0.05% | 0.05% |
| 20 / Club (Save2Own) (min. $1,000) | 2.96% | 3.00% |
| 73 / Enterprise Checking (Business Checking) | No Dividend Paid | No Dividend Paid |
| 75 / Draft Checking | No Dividend Paid | No Dividend Paid |
| 79 / Cash Management (> $75,000.00) | 1.00% | 1.00% |
| 79 / Cash Management ($50,000 - $74,999.99) | 0.85% | 0.85% |
| 79 / Cash Management ($25,000 - $49,999.99) | 0.60% | 0.60% |
| 79 / Cash Management ($10,000 - $24,999.99) | 0.40% | 0.40% |
| 79 / Cash Management ($2,000 - $9,999.99) | 0.30% | 0.30% |
| 81/91/97 IRA Activity Account (>$10,000) | 0.20% | 0.20% |
| 81/91/97 IRA Activity Account ($100-$9,999.99) | 0.10% | 0.10% |
| 91 / Roth Activity Account | Same rates and terms as IRA activity account above | |
| 95 / Coverdell ESA Certificate (min $500) | Same rates and terms as IRA Share Certificate Rates | |
| 97 / Coverdell ESA Activity Account | Same rates and terms as IRA activity account above |
| | APR | APY |
|---|---|---|
| 89 / 6 Month - Int. Monthly (min. $500) | 3.93% | 4.00% |
| 83 / 12 Month - Int. Monthly (min. $500) | 3.93% | 4.00% |
| 84 / 24 Month - Int. Monthly (min. $500) | 3.25% | 3.30% |
| 85 / 30 Month - Int. Monthly (min. $500) | 3.30% | 3.35% |
| 86 / 36 Month - Int. Monthly (min. $500) | 3.35% | 3.40% |
| 87 / 48 Month - Int. Monthly (min. $500) | 3.40% | 3.45% |
| 88 / 60 Month - Int. Monthly (min. $500) | 3.44% |
3.50% |
| | APR | APY |
|---|---|---|
| 69 / 6 Month - Int. Monthly (min. $500) | 3.93% | 4.00% |
| 63 / 12 Month - Int. Monthly (min. $500) | 3.93% | 4.00% |
| 64 / 24 Month - Int. Monthly (min. $500) | 3.25% | 3.30% |
| 65 / 30 Month - Int. Monthly (min. $500) | 3.30% | 3.35% |
| 66 / 36 Month - Int. Monthly (min. $500) | 3.35% | 3.40% |
| 67 / 48 Month - Int. Monthly (min. $500) | 3.40% | 3.45% |
| 68 / 60 Month - Int. Monthly (min. $500) | 3.44% |
3.50% |
| | APR | APY |
|---|---|---|
| 30 / 30 Day Certificate (min. $2,500) | 2.23% | 2.25% |
| 32 / 12 Month - Int. Monthly (min. $1,000) | 3.93% | 4.00% |
| 34 / 6 Month - Int. Monthly (min. $1,000) | 3.93% | 4.00% |
| 35 / 3 Month - Int. Monthly (min. $2,500) | 2.33% | 2.35% |
| 36 / 24 Month - Int. Monthly (min. $1,000) | 3.15% | 3.20% |
| 37 / 30 Month - Int. Monthly (min. $1,000) | 3.20% | 3.25% |
| 38 / 36 Month - Int. Monthly (min. $1,000) | 3.25% |
3.30% |
| 39 / 48 Month - Int. Monthly (min. $1,000) | 3.30% |
3.35% |
| 40 / 60 Month - Int. Monthly (min. $1,000) | 3.35% |
3.40% |
| | APR | APY |
|---|---|---|
| 52 / 12 Month JUMBO Int. Monthly (min $50,000) | 3.93% | 4.00% |
| 54 / 6 Month JUMBO Int. Monthly (min $50,000) | 3.93% | 4.00% |
| 56 / 24 Month JUMBO Int. Monthly (min $50,000) | 3.25% | 3.30% |
| 57 / 30 Month JUMBO Int. Monthly (min $50,000) | 3.30% | 3.35% |
| 58 / 36 Month JUMBO Int. Monthly (min $50,000) | 3.35% | 3.40% |
| 59 / 48 Month JUMBO Int. Monthly (min $50,000) | 3.40% | 3.45% |
| 60 / 60 Month JUMBO Int. Monthly (min $50,000) | 3.44% |
3.50% |
| | APR | APY |
|---|---|---|
| 21 / HSA Savings (min. $100) | 1.49% | 1.50% |
| 29 / HSA Checking ($5000 and over) | 0.20% | 0.20% |
| HSA Checking ($1,000-$4,999.99) | 0.10% | 0.10% |
Dividend rates are declared by the Board of Directors quarterly. Please note that the minimum balances must remain in accounts for the entire period to qualify for a dividend. All accounts are federally insured by the National Credit Union Administration (NCUA). All rates subject to change without notice. APR - Annual Percentage Rate APY - Annual Percentage Yield
*APY-Annual Percentage Yield. This offer is good for SECNY consumer and business member accounts only. No Financial Institution investments permitted. Contact SECNY for details.
