The dividend rate is declared periodically by the Board of Directors after providing for expenses and reserves. Dividends are paid at a rate competitive with other financial institutions.
Christmas Stocking, "Mad Money" or Vacation. Disbursements from the Christmas Stocking Club are made October 1st, while the use of the other account is at your discretion.
Our youth accounts offered here, are a great way for your children to save and get established with a financial institution, and it's FREE to open one!
Any child who attends school (K-12) in any public, private, or parochial school in Chenango, Delaware, or Otsego County is eligible for membership with us!
Offer higher rates of interest for specified time periods. Details and current rates are available at our office.
| Holiday | Date | Hours |
| Martin Luther King Jr Day | January 16 | Closed |
| President's Day | February 20 | Closed |
| Memorial Day | May 29 | Closed |
| Independence Day | July 4 | Closed |
| Labor Day | September 4 | Closed |
| Columbus Day | October 9 | Closed |
| Veteran's Day | November 10 | Closed |
| Thanksgiving Day | November 23 | Closed |
| Day after Christmas | December 25 | Closed |
| New Year's Day | January 1 | Closed |