Ehl Fdic

255 Main Street Massena, NY 13662
Phone: 315.764.0541, Fax: 315.769.6542
155 Lincoln Avenue P.O. Box 780 Waddington, NY 13694
Phone: 315.388.4970, Fax: 315.388.4973

Deposit Rates - Last Updated: 1 April 2021
Variable Rate Accounts
Account Type Minimum Balance Rate APY
Regular Savings Account 1.00 .10% .10%
Money Market Savings Account $2,500.00 TIERED 0% / .25% / .50% 0% / .25% / .51%
NOW Account $0.01 TIERED .05% / .10% / .25% .05% / .10% / .25%
Fixed Rate Certificates
Account Type Minimum Balance Rate APY
6 Month CD $2,500.00 .25% .25%
12 Month CD $1,000.00 .30% .31%
24 Month CD $1,000.00 .40% .41%
36 Month CD $1,000.00 .90% .92%
48 Month CD $1,000.00 1.10% 1.12%
60 Month CD $1,000.00 1.25% 1.28%
Traditional/Roth IRA Accounts
Account Type Minimum Balance Rate APY
IRA Savings $1.00 .10% .10%
12 Month CD $1,000.00 .30% .31%
24 Month CD $1,000.00 .40% .41%
36 Month CD $1,000.00 .90% .92%
48 Month CD $1,000.00 1.10% 1.12%
60 Month CD $1,000.00 1.25% 1.28%
  • Variable Rates may change after account is opened.
  • A penalty may be imposed for early withdrawals from CD's.
  • Rates are subject to change without notice.
  • * "APY" = Annual Percentage Yield