Certificate of Deposit Rates

See "rates page" for effective dates of interest.

Effective: November 19, 2009

6 Month Certificate of Deposit
The current Interest Rate is .80% with an Annual Percentage Yield of .80%

9 Month Certificate of Deposit
The current Interest Rate is .90% with an Annual Percentage Yield of .90%

1 Year Certificate of Deposit
The current Interest Rate is 1.00% with an Annual Percentage Yield of 1.00%

                                                                                                                       16 Month Certificate of Deposit
The current interest Rate is 1.39% with an Annual Percentage Yield of 1.40%

18 Month Certificate of Deposit
The current Interest Rate is 1.24% with an Annual Percentage Yield of 1.25%

24 Month Certificate of Deposit
The current Interest Rate is 1.49% with an Annual Percentage Yield of 1.50%

36 Month Certificate of Deposit
The current Interest Rate is 1.74% with an Annual Percentage Yield of 1.75%

48 Month Certificate of Deposit
The current Interest Rate is 1.99% with an Annual Percentage Yield of 2.00%

Important Information

Limitations: You must deposit $1000 to open this account. You may not make withdrawals from your account until the maturity date without redeeming the certificate and paying a penalty. The above mentioned account descriptions are not all encompassing. To request a full account opening disclosure by mail contact: dgardner@nbcoxsackie.com

IRA & ROTH Retirement Accounts

You may not make withdrawals on this account until the age of 59-1/2 without incurring a penalty. A maximum of $5000 per reporting year may be deposited, if you are over 50-1/2 you may deposit up to $6000. The interest rate on this account is 2.48% with an Annual Percentage Yield of 2.50%. Deposits may occur daily.

Important Information

The above mentioned account descriptions are not all encompassing. To request a full account opening disclosure by mail contact:

National Bank of Coxsackie
3-7 Reed Street
Coxsackie, NY 12051-0400
Attention: New Account Opening
(518) 731-6161 Voice or Email at: dgardner@nbcoxsackie.com

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