We will be performing scheduled system upgrades on April 27th, beginning at 3:00 PM. During this time, you may be temporarily unable to access your account information through Online Banking, our Mobile App, and TeleBank 24/7.
We apologize for any inconvenience this may cause you.
Savings Accounts
Savings Accounts

Savings Accounts

e-Savings

  • Competitive interest rate: See our current rates.
  • Monthly fee waived with minimum balance requirement
  • Electronic statements only

Passbook and Statement Savings

  • Competitive interest rate: See our current rates.
  • Monthly fee waived with minimum balance requirement
  • Available in passbook or paper statement format only

More Yield Passbook and Statement Savings

  • Tiered interest rate: See our current rates.
  • Monthly fee waived with minimum balance requirement
  • Available in passbook, paper statement or electronic format

Student Savings Passbook

  • For students under age 18
  • Competitive interest rate: See our current rates.
  • No minimum balance
  • No service charges

e-Next Generation Savings

  • For students under age 18
  • Reverse-tier interest rate: See our current rates
  • No minimum balance
  • No service charges
  • Account inquiries can be made online or using the mobile app
  • Electronic statements only

Certificates of Deposit

  • CDs and IRAs
  • Competitive interest rates: See our current rates.
  • Minimum deposit of $1,000 required for traditional CD’s
  • Minimum deposit of $500 for IRA CD’s
  • No monthly maintenance fees or service charges
  • Available in passbook, paper statement or electronic format

Money Market

  • Competitive tiered interest rate: See our current rates.
  • Limited check-writing privileges
  • Monthly fee waived with minimum balance requirement
  • Electronic or paper statements

Risk Free IRA Savings

Holiday Club

  • Competitive interest rate: See our current rates.
  • Automatic transfer from a selected account or deposit at a branch
  • Club pays out yearly – choice of direct deposit or check
  • Available in passbook, paper statement or electronic format

Open an Account

At every stage of life, saving money is a good habit to develop. From student accounts to more complex savings strategies, our accounts can help you put a little—or a lot—aside for a rainy day or holiday.

Benefits Included

Enroll in free online bankingEnroll in free online banking when you open your account. You’ll have total access to your account information and the ability to transfer funds and make other transactions 24/7 from any computer or mobile device with Internet access. Already have an account? Enroll in online banking and bill pay. You can also register your mobile device to take advantage of text banking.
Download our free Mobile Banking AppDownload our free Mobile Banking App from the App Store or Google Play to find a location or ATM near you, deposit checks, and make online banking transactions from your mobile device.
Call Telebank 24/7 free anytime, day or night,Call Telebank 24/7 free anytime, day or night, to get information about your account. This automated service makes it simple to check your balance whenever and wherever you need.
Telebanking: 888-439-4272

Certified credit counselors are available to assist you with your financial needs. For more information on the ClearPoint Credit Counseling Services of the Capital Region and Hudson Valley, call 518-482-0203 or visit www.clearpointccs.org.