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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.

VISA Debit Card
A VISA Debit Card looks like a credit card, but acts like a check in that 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 VISA is accepted!

It's Fast and free!
You can use it to make purchases at any retail location that accepts VISA and the purchase amount will be automatically deducted from your checking account. Use it at the grocery store, gas station and even make purchases online!

It's Simple and free!
Each transaction you make with your debit card will appear on your statement, complete with the name and location of the merchants or banks you did business with. Simply keep track of your transactions and balance them against your statement.

It's Secure and free!
Because your card has a VISA logo, you're 100% protected if there is fraudulent activity with your card.

Card Lost or Stolen?
If your Visa Debit Card is lost or stolen, call us immediately at (315) 671-4000 during normal business hours or 1-800-472-3272 after hours or on holidays or weekends.


VISA Credit Card
If you are looking for a great credit card, you've found the right place. We make it extremely easy to get started, for more information and to apply online click here.

Check your credit card account online by enrolling at www.myaccountaccess.com. You'll be able to view your transactions, make payments, check your rewards and more!

If your Visa Credit Card is lost or stolen, please call one of the numbers below depending on your card type.

Consumer Credit Cards - 1-800-558-3424
Business Credit Cards - 1-866-552-8855

(315) 671-4000  Routing Number: 221382031
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