Personal Savings

Whether you’re trying to save for a large purchase or your taxes, we offer an array of savings accounts to help meet your banking needs.

Statement Savings

If the average daily ledger balance falls below $200.00, a quarterly service charge of $10.00 will be assessed at statement date.

Features Details
Minimum Balance

Average Daily Ledger Balance of $200

Service Charge

$10 assessed quarterly

Minimum Deposit

-

Transaction Limitations

Yes

ATM Card

Yes

Additional Information

-

Apply
Direct Deposit Savings

No quarterly service charge is assessed when the depositor participates in the direct deposit of a payroll or retirement program via an automated transfer.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Deposit

-

Transaction Limitations

Yes

ATM Card

Yes

Additional Information

[click here]Depositor must participate in the direct deposit of a payroll or retirement program.

Apply
Student Savings

No monthly service charge until age 24, at which time the account will revert to a Statement Savings Account.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Deposit

-

Transaction Limitations

Yes

ATM Card

Yes

Account Age Limit

Under 24

Apply
IMM Savings

A minimum deposit of $2,500.00 is required to open this account. If the daily balance falls below $2,500.00, a monthly service charge of $15.00 will be assessed at statement date.

Features Details
Minimum Balance

Daily Balance of $2,500

Service Charge

$15

Minimum Deposit

$2,500

Transaction Limitations

Yes

ATM Card

Yes

Apply
NYUTMA

No monthly service charge or minimum opening deposit required. Beneficiary must be under the age of 21 and upon reaching that age, account must be closed by the custodian and all funds given to the beneficiary.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Deposit

-

Transaction Limitations

Yes

ATM Card

[click here]Available to custodian only

Account Age Limit

Beneficiary under 21

Additional Information

[click here]Only one custodian and one beneficiary may open the account

Apply
Tax Savings

No minimum opening deposit required and interest is posted annually. Withdrawals can only be made as window transactions or automatic transfers to your checking/savings account to pay taxes.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Deposit

-

Transaction Limitations

-

ATM Card

-

Account Age Limit

-

Additional Information

[click here]Withdrawals can only be made as a window transaction to pay taxes or close the account or automatic transfer to DDA to pay taxes.

Apply
Holiday / Vacation Savings

No minimum opening deposit required and interest is posted at maturity. Withdrawals made before maturity must be for the entire balance, no partial withdrawals allowed.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Deposit

-

Transaction Limitations

-

ATM Card

-

Account Age Limit

-

Additional Information

[click here]Withdrawals made prior to maturity must be for entire balance.

Apply

Compare Personal Saving Accounts

Not sure which account is right for you? Use our simple accounts comparison tool.

Questions

If you have questions, please contact our main branch during normal business hours at (845) 482-4000.

WeatherIcon For: Weather

Today
Icon For: Clouds
73o
66o
Thu
Icon For: Clouds
79o
62o
Fri
Icon For: Clear
76o
54o
Sat
Icon For: Clear
77o
57o
Sun
Icon For: Clear
79o
57o

Jeffersonville, New York: 71o

Change City   Data by OpenWeatherMap

Change City

Cancel
×

SUBMIT AN EVENT

Event Name is required and must be a string.
Event Date is required and must be a string.
Event Date is required and must be a string.
Event Description is required and must be a string.

The following information is for Bank use ONLY and will not be published:

Name is required and must be a string.

By submitting an event, I acknowledge that you are under no obligation to post the event on your Event Calendar. You may edit the text for the event at your sole discretion.

×