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Deposit Specials - Schuyler County

The following specials are available at our Watkins Glen location:

CD and IRA

Product Type Minimum Opening Deposit* Interest Rate Annual Percentage Yield (APY)
7 Month CD & IRA CD $500.00 1.74% 1.75%
18 Month CD & IRA CD $500.00 2.23% 2.25%
30 Month CD & IRA CD $500.00 2.47% 2.50%

*New money may be required, please contact your local branch for information.

All interest rates and Annual Percentage Yields (APYs) are subject to change without notice. The minimum balance required to obtain the APY may be different than the minimum opening deposit, please contact your local branch for information. Fees assessed on your account could reduce your earnings. A penalty will be imposed for premature withdrawal from Certificates of Deposit.


Super eChecking

Your Super Account Benefits are here! You can’t go wrong with an Extreme Earnings APY on balances up to and including $25,000, exclusive electronic banking options, easy funds access, and an account that’s environmentally responsive. To earn interest the following qualification requirements must be met: enrollment in eStatements, 12 or more POS debit card transactions, and account must receive at least one ACH direct deposit of $200 or more. Transactional requirements must post and settle within the statement period.

Product Type Minimum Opening Deposit Interest Rate Annual Percentage Yield (APY)*
Super eChecking $50.00 1.98% 2.00%


Complimentary Services:

  • Chip-enabled Debit Card, available on Apple, Samsung, and Android Pay(s) with refunds on ATM Surcharge Fees±
  • Online and Mobile Banking with Bill Pay and Mobile Deposit
  • Electronic Statement Delivery
  • No minimum balance requirement

*Annual Percentage Yield (APY) is 2.00% on balances up to and including $25,000. Balances above $25,000 earn a simple interest rate of 0.03%, with a corresponding APY of 0.52%-2.00% APY. Maximum of $15 ATM Surcharge Rebates per statement cycle. ±If qualification requirements are not met during the statement period, the full account balance will earn interest at 0.00% APY for that statement period, in addition any ATM Fee rebates are subject to forfeiture. Failure to enroll in eStatements will result in a $5.00 per month paper statement fee. Fees may reduce earnings. New accounts subject to approval. Rates are subject to change at any time. Product offer for personal accounts only. 


These rates are for customers in our local market area.

All deposit rates are effective as of 8/9/2018




Elmira Savings Bank • 333 E. Water St., Elmira, NY 14901 • Phone: (607) 734-3374 • (888) 372-9299 •       

© Copyright 2013 Elmira Savings Bank. All Rights Reserved. Member FDIC.