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Current Rates

Auto Loans (as low as)
APR: 2.74%*

Money Market (as high as)
APY: 0.75%

Term Share Certificates

(as high as)
Rate 1.75% APY: 1.76%

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*Other discounts may apply.

Debit MasterCard
A Debit MasterCard looks like a credit card, but any purchases made come directly out of your checking account. It's faster than going to the ATM, safer than carrying cash and you can use it anywhere MasterCard is accepted!


  • Make purchases anywhere MasterCard is accepted (debit cards cannot be used to rent a car, or at any car/truck rental facility)


  • You're 100% protected if there is fraudulent activity with your card

    Card Lost or Stolen?
    If your Debit MasterCard is lost or stolen, call us immediately at (315) 671-4000 during normal business hours or 1-888-241-2510 after hours or on holidays/weekends.


Let us know you're traveling! Avoid card interruptions by letting us know your travel dates prior to your trip. Our fraud detection center looks for unusual or suspicious transactions that fall outside your normal usage pattern.


If you let us know you're traveling, whether it's inside or outside the U.S., we will know it's you using the card and not someone else. You can call, chat, or email to let us know. Safe and happy travels!


**PLEASE NOTE debit cards cannot be used to rent a car**

(315) 671-4000  Routing Number: 221382031
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