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Business Checking and Savings Rates

Account Minimum to Open Minimum to Obtain APY Interest Rate APY

Interest Business Checking1

$100.00

$0.00

0.01%

0.01%

Interest Public Funds Checking1

$0.00

$0.00

0.01%

0.01%

IOLA2

$0.00

$0.00

0.10%

0.10%

Business Statement Savings1

$25.00

$0.00

0.05%

0.05%

Business Money Market1

 

$1,000.00

$0.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $74,999.99
$75,000.00 +

0.05%
0.05%
0.10%
0.10%
0.10%

0.05%
0.05%
0.10%
0.10%
0.10%

Public Funds Money Market1

$100.00

$0.00 - $9,999.99
$10,000.00 - $74,999.99
$75,000.00 - $249,999.99
$250,000.00 +

0.05%
0.05%
0.10%
0.15%

0.05%
0.05%
0.10%
0.15%

Certificate of Deposit3

 

$500.00

30 - 89 days
90 - 179 days
6 - 11 months
12 - 23 months
24 - 35 months
36 months4
48 months4
60 months4

0.05%
0.10%
0.15%
0.25%
0.40%
0.50% 
0.75% 
1.00% 

0.05%
0.10%
0.15%
0.25%
0.40%
0.50% 
0.75% 
1.00% 

Certificate of Deposit Specials5

$1,000.00

10 months
15 months

2.00%
2.40%

2.02%
2.43%

 

Rates are as of 10/22/2018 and are subject to change without notice. 
APY = Annual Percentage Yield  
Fees may reduce the earnings on the account.
See account disclosure for additional information.
Contact us for terms and rates on CDs $100,000.00 or greater.
1 The rate is variable and may change after the account is opened.
2 New York State Interest on Lawyer Account Fund.  The rate is variable and may change after the account is opened.
3 Limit $99,999.99 per client.  Penalty for early withdrawal/closing.
4 Additional deposit relationship required.  Contact us for information.
5 Champlain National Bank checking account required.  New money only.  Limit $99,999.99 per client.  Penalty for early withdrawal/closing.