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Deposit Rates

Checking & Savings

  • Interest Rates and Annual Percentage yields are effective 04-15-2014
  • The annual percentage yield may change after the account is opened
  • Fees could reduce the earnings on the account
Account Type Rate APY (Annual Percentage Yield) Minimum Balance to Obtain APY
Personal Regular Checking N/A N/A N/A
Basic Banking Account N/A N/A N/A
Senior Checking N/A N/A N/A
Student Checking N/A N/A N/A
Holiday Club Account .30% .30% $3.00
N.O.W Checking .20% .20% None
Statement Savings .30% .30% $100.
Money Market Savings .40% .40% None
Super Money Market Savings
$200,000 and up .50% .50% 200,000
$100,000 to $199,999.99 .40% .40% 100,000
$25,000 to $99,999.99 .40% .40% $25,000
$.01 to 24,999.99 .20% .20% .01
Business Regular Checking N/A N/A N/A
Small Business Checking N/A N/A N/A

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CDs & IRAs

Any Catskill Hudson Bank Certificate of Deposit account may be used as an IRA investment with a minimum opening deposit of $500.00.

  • Interest Rates and Annual Percentage Yields are effective 04-15-2014.
  • The interest rate will not change for term of the account.
  • The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
  • A substantial penalty may be imposed for early withdrawal.
Term Rate APY (Annual Percentage Yield) Minimum Opening Deposit
92-182 day CD .30% .30% $1,000.
183-364 day CD .35% .35% $1,000.
12-23 month CD .50% .50% $1,000.
24-35 month CD .75% .75% $1,000.
36-47 month CD .80% .80% $1,000.
48-60 month CD 1.34% 1.35% $1,000.

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Choice Certificates of Deposit

  • Interest Rates and Annual Percentage Yields are effective 04-15-2014.
  • At your discretion, you may change the interest rate on the account based on the number of times indicated in the original agreement.
  • The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
  • You may make one (1) penalty free withdrawal prior to the maturity date. A substantial penalty may be imposed for additional early withdrawals.
Term Rate APY (Annual Percentage Yield) Minimum Opening Deposit
11 month Choice CD .35% .35% $5,000.
30 month Choice CD .70% .70% $5,000.
  • All deposit rates are subject to change.
  • Interest is Compounded Daily.
  • Account disclosures are available upon request.
  • Deposits are insured by the FDIC.
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