User ID:
 
 
Sign Up

check mark
check mark

Call 1-800-528-2273 to report lost or stolen ATM or Debit Cards 24 hours a day, seven days a week.

Follow Schuyler on Facebook

  Follow us on Facebook

Schuyler Savings Bank sketch

Schuyler Interest Rates

Regular Savings
TitleCompounding MethodInterest RateAPY**Additional Information
Passbook Savings AccountDaily (365/365)0.10%0.10%Initial deposit of $50 required. Interest Rate subject to change. Minimum balance to earn the APY is $50.00.
Statement Savings Account w/ATM Card Daily (365/365) 0.10% 0.10% Initial deposit of $50 required. Interest Rate subject to change. ATM Card available. Minimum balance to earn the APY is $50.00.
Kid Savers AccountDaily (365/365)0.20%0.20%Initial deposit of $1 required. Interest Rate subject to change. Minimum balance to earn the APY is $1.00.

This is a variable interest rate account. Interest rates may change at management's discretion. Fees may reduce earnings.


Money Market Savings
TitleCompounding MethodInterest RateAPY**Additional Information
Money Market PassbookDaily (365/365)0.10%0.10%Initial deposit of $1000 required. Interest Rate subject to change. Minimum balance to earn the APY is $1000.00.
Premimum Tiered Money Market Account Daily (365/365) Tier1 0.15%Tier1 0.15% 1st Tier balance requirement is $10,000.00 to $49,999.99. Initial deposit to open is $10,000.00. Minimum balance to earn the APY is $10,000.00.
Tier2 0.25%Tier2 0.25%2nd Tier balance requirement is $50,000.00 and over. Initial deposit to open is $50,000.00. Minimum balance to earn the APY is $50,000.00.

This is a variable interest rate account. Interest rates may change at management's discretion. Fees may reduce earnings.


CDs
TitleCompounding MethodInterest RateAPY**Minimum to OpenInterest Credited
91 DaysDaily (365/365)0.10%0.10%$1,000End of Term
99 DaysDaily (365/365)0.10%0.10%$1,000End of Term
5 MonthsDaily (365/365)0.15%0.15%$1,000End of Term
6 MonthsDaily (365/365)0.20%0.20%$1,000Monthly or End of Term
7 MonthsDaily (365/365)0.20%0.20%$1,000End of Term
12 MonthsDaily (365/365) 0.20%0.20%$1,000Monthly or Quarterly
13 MonthsDaily (365/365) 0.20%0.20%$1,000Quarterly
18 MonthsDaily (365/365) 0.30%0.30%$1,000Quarterly
18 Month FlexibleDaily (365/365) 0.30%0.30%$1,000Monthly
24 MonthsDaily (365/365)0.50%0.50%$1,000Quarterly
30 MonthsDaily (365/365)0.65%0.65%$1,000Quarterly
36 MonthsDaily (365/365)0.80%0.80%$1,000Quarterly
36 Month FlexibleDaily (365/365)0.80%0.80%$1,000Monthly
48 MonthDaily (365/365)1.14%1.15%$1,000Quarterly
60 MonthDaily (365/365)1.29%1.30%$1,000Quarterly

APY = Annual Percentage Yield
Minimum balance to earn the APY is $1000.00.
Interest Rates subject to change without notice
Penalty for early withdrawal from a certificate deposit will reduce earnings and Annual Percentage Yield.


Club Accounts
TitleCompounding MethodInterest RateAPY**Additional Information
Christmas ClubInterest not compounded.0.10%0.10%The amount of Club Passbooks available are: $10, $20, and $25
Vacation ClubInterest not compounded.0.10%0.10%The amount of Club Passbooks available are: $10, $20, and $25

This is a variable interest rate account. Interest rates may change at management's discretion. Fees may reduce earnings.


Personal Checking
TitleCompounding MethodInterest RateAPY**Interest CreditedAdditional InformationBalance For No Fee
Senior CheckingSimple Interest0.10%0.10%MontlyInitial deposit of $1 required to open.No minimum required.
NOW CheckingSimple Interest0.10%0.10%MonthlyInitial deposit of $100 required to open.$100 minimum daily required.
Community CheckingN/AN/AN/AN/AInitial deposit of $50 required to open. There is a service charge of $3 per month.N/A

This is a variable interest rate account. Interest rates may change at management's discretion. Fees may reduce earnings.


Business Checking
TitleCompounding MethodInterest RateAPY**Interest CreditedAdditional InformationBalance For No Fee
Small Business CheckingSimple Interest0.10%0.10%MonthlyInitial deposit of $100 required to open.$100 balance required for no monthly fee.
BusinessN/AN/AN/AN/AInitial deposit of $100 required to open.$100 balance required for no monthly fee.

This is a variable interest rate account. Interest rates may change at management's discretion. Fees may reduce earnings.


Fixed Interest Rate Mortgages
TitleInterest RateAPR*TermsAdditional InformationMonthly Payment Per $1000
30 Years 3.875% 3.889% 360 Mortgage will amortize over 30 years $4.70
20 Years 3.750% 3.769% 240 Mortgage will amortize over 20 years $5.93
15 Years 3.125% 3.150% 180 Mortgage will amortize over 15 years $6.97
10 Years 3.000% 3.036% 120 Mortgage will amortize over 10 years $9.66


Adjustable Interest Rate Mortgages
TitleInterest RateAPR*TermsAdditional InformationMonthly Payment Per $1000
10/1/30 3.500% 3.644% 360 Reprices annually after 10 years. $4.49
7/1/30 3.125% 3.856% 360 Reprices annually after 7 years. $4.28
5/5/30 2.750% 3.889% 360 Reprices every 5 years. $4.08
3/3/30 2.875% 3.472% 360 Reprices every 3 years. $4.15
1/1/30 2.250% 3.611% 360 Reprices annually after 1 year. $3.82


Home Equity Loan
TitleInterest RateAPR*TermsAdditional InformationMonthly Payment Per $1000
20 Years 4.250% 4.250% 240 Mortgage will amortize over 20 years. $6.19
15 Years 4.000% 4.000% 180 Mortgage will amortize over 15 years. $7.40
10 Years 3.500% 3.500% 120 Mortgage will amortize over 10 years. $9.89
5 Years 3.250% 3.250% 60Mortgage will amortize over 5 years. $18.08


Home Equity Line of Credit
Interest Rate Fixed First 6 monthsInterest Rate (Variable)FloorDraw PeriodRepayment Period
1.99%Prime - 0.50%4.00% 10 years20 years

A Home Equity Line of Credit is an adjustable interest rate loan indexed to the highest Prime Interest Rate as published in the Wall Street Journal on the last business day of each month. The Annual Percentage Rate (APR) may increase or decrease accordingly. The Interest Rate will never exceed 16.00% (ceiling) or be less than 4.00% (floor). See Home Equity Line of Credit page for more details.


Auto Loan
TitleAPR*TermsAdditional InformationMonthly Payment Per $1000
New Auto 48Maximum Loan Amount $30,000. 10% Down Payment Required.  
New Auto  60Maximum Loan Amount $30,000. 10% Down Payment Required.  
Used Auto  48Maximum Loan Amount $30,000. 20% Down Payment Required.
(4 Years Old or Newer).
 
Used Auto  24Maximum Loan Amount $30,000. 20% Down Payment Required. (Maximum 5 Years Old).  


Interest rates and APR's are effective as of 4/24/2017

Additional Disclosures

Schedule of Fees