Online Banking Login
Forgot Username? Forgot Password? Enroll in Online Banking

Hot air balloons inflating and sailing at the Poughkeepsie balloon festival

Certificates Of Deposit (CDs)

FEATURES
  • Terms range from 3 Months to 60 Months
  • Rates are set according to terms
  • A penalty will be imposed for withdrawals in excess of interest earned when made before maturity
  • Interest is compounded daily and credited monthly
  • Interest can be transferred to another account, issued as a check or remain in the CD
  • View Rates

BALANCE REQUIRED TO OPEN ACCOUNT MINIMUM BALANCE REQUIRED TO EARN INTEREST
3 MONTHS $2,500.00 $2,500.00
6 MONTHS - 60 MONTHS $500.00 $500.00

View Rates

Schedule an Appointment

CDARS- Safe, Simple Cash Management

Safe, Simple Cash Management Work directly with just our bank and enjoy the safety that comes with access to millions in aggregate FDIC insurance across IntraFi’s network of banks. CDARS is a smart way to safeguard your large deposits and enjoy the convenience of One Bank, One Rate, One Statement®. A list identifying IntraFi network banks can be found at www.IntraFi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. To meet these conditions, deposit accounts are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi; the IntraFi logo; CDARS; and One Bank, One Rate, One Statement are registered trademarks of IntraFi LLC. CDARS 0226 Rest Assured. Rest assured knowing that your funds are eligible for millions in aggregate FDIC insurance protection across network banks— protection that’s backed by the full faith and credit of the federal government. CDARS is not subject to floating net asset values, so you can feel secure knowing that market volatility will not negatively affect your principal. Earn Interest. Put your funds to work. Interest rates may compare favorably to Treasuries. Enjoy Flexible Liquidity Options. With CDARS, select from multiple term options to help you meet your liquidity needs. Time Savings and Transparent Reporting. Forego the need to manage multiple bank relationships. See account balances and accrued interest for CDARS, 24/7, with an online dashboard. And, receive regular statements with detailed reporting provided by our bank. Contact us. How Does CDARS Work? Institutions, like our bank, that offer CDARS are members of the IntraFi network. When we place your funds through the CDARS service, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The funds are then placed in CDs, at multiple network banks. As a result, you can access coverage from many institutions while working directly with just one. You receive one regular statement from our bank for each service in which you participate, and, as always, your confidential information is protected.

Rondout Power Links

Locations & Hours Lost or Stolen MasterCards Report ID Theft or Fraud Community Involvement Re-Order Checks Testimonials Rondout Switch Kit Deposit Rates FAQs Accessibility Statement Careers ATM Locator

Get In Touch

Call (845) 331-0073 to Schedule an Appointment