See "rates page" for effective dates of interest.

Personal-Business Statement

Deposits and withdrawals may occur daily. Use of our STAR or VISA ATM Card (upon approval). A monthly or quarterly statement may be requested or combined with your checking account. The interest rate on this account is .40% with an Annual Percentage Yield of .40% . You must deposit $25 to open this account.

Personal-Business Passbook

Deposits and withdrawals may occur daily. You must always present the passbook to process transactions. The interest rate on this account is .40% with and Annual Percentage Yield of .40% . You must deposit $25 to open this account.

Christmas Club Regular Coupon

Regular coupon club accounts may be opened for: $2, $5, $10, $20, $40, $50 or $75. denominations. The interest rate on this regular coupon club account is .80% with an Annual Percentage Yield of .80% . You must deposit $1 to open this account. You may not make withdrawals from your account until the maturity date.

Christmas Club Automatic

Automatic club accounts may be opened for: Any amount greater than $1.00 . The Automatic club requires weekly transfers from your regular checking or NOW account. You must deposit $1 to open this account. You may not make withdrawals from your account until the maturity date. The current interest rate is 1.00% with an Annual Percentage Yield of 1.00%

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 $5,000 per reporting year may be deposited, if you are over 50 you may deposit up to $6000. The interest rate on this account is 2.23% with an Annual Percentage Yield of 2.25%. Deposits may occur daily. You must deposit $1 to open this account.

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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