Deposit Products

Basic Checking

Our convenient Basic Checking account includes the following features:

  • No transaction limitations.
  • Free with direct deposit  OR  maintained balance of $300 during your statement cycle.
  • Checks can be printed on-site and available within 2 business days.
  • Detailed monthly statement with check and deposit images.
  • Debit / ATM card available for your convenience.
  • Cash reserve features available.
  • Automatic payments can be deducted from the account.
  • NetTeller online banking and online BillPay available.
  • Buzz telephone banking.

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Senior Checking

At age 60 you qualify for a Senior Checking account. This rewarding checking account includes the following features:

  • No minimum balance requirement.
  • No monthly service charges.
  • Free checks.
  • Detailed monthly statement with check and deposit images.
  • Debit / ATM card available for your convenience.
  • Direct deposit available.
  • Automatic payments can be deducted from the account.
  • NetTeller online banking and online BillPay available.
  • Buzz telephone banking.

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Debit / ATM Card

The Visa Check card is available with any of our checking accounts. The card allows you to get cash at thousands of ATMs worldwide and to transact purchases without writing a check.

  • Convenient
  • No writing checks.
  • No more waiting in line for check approval.
  • No identification necessary for purchases.
  • Safe: Carry less cash – use your check card to get cash at ATMs worldwide.
  • Inexpensive: Monthly Fee: $1.00 per month. No transaction fee for purchases.
  • Transaction fee for cash withdrawals at our ATMs in Groton and Moravia: 6 free per statement cycle.  $1.00 each starting with the 7th withdrawal.
  • Transaction fee for cash withdrawals at other institutions’ ATMs: 4 free per statement cycle.  $1.00 each starting with the 5th withdrawal.

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Money Market Checking Account (MMCA)

If you want a checking account that earns interest, this is the account for you. Its features include:

  • No service charge if $1,000 balance is maintained.
  • Detailed monthly statement with check and deposit images.
  • ATM / Debit card available for your convenience.
  • Interest compounded daily.
  • Interest paid at statement cycle end.

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Passbook and Statement Savings Accounts

Easy to use savings account with:

  • Variable interest rate.
  • No minimum deposit required to open.
  • Easily access your interest-earning funds.
  • Statement or Passbook.
  • Interest compounds daily and is credited to your account on the last business day of each quarter.

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Youth Savings

Available to those 18 and under.

  • No minimum balance.
  • Free coin book and piggy bank when you open a new account.

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Club Account

This Club savings account  allows you to make deposits of any amount during the Club year.

  • Variable interest.
  • Interest compounds daily and is credited to your account at maturity.
  • At the end of the Club year (end of October) we send you a check for the account balance including interest.

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Money Market Investment Account (MMIA)

Tiered Money Market Investment account.

  • Tiered account gives greater return than basic savings account.
  • Allows you to make transactions.
  • Interest compounds daily and is credited to your account on the last business day of each statement cycle.

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Certificate of Deposit (CD)

  • Higher Interest Rates.
  • Fixed Rates.
  • Maturity from 3 months up to 5 years.
  • Automatically renew (except Renewable Once CD).
  • Interest compounds daily and is credited by check, to another account or accumulated at different times based on the CD term and type.
  • No deposits may be made prior to maturity.

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Individual Retirement Account (IRA)

Our Individual Retirement Accounts are in CDs

  • Variable rate IRAs allow you to make deposits at any time.
  • Fixed rate IRAs allow you to make deposits at maturity.
  • Automatically renew at maturity.
  • Interest compounds daily and is credited to your account each quarter.

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Contact Us

Stop in at one of our convenient locations or call us directly at our Groton office at 607-898-5871 or Moravia at 315-497-2707 during regular business hours.

You can also use our Secure Contact Form.