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Like having a branch right in your business. Make deposits by scanning the checks at your location, then transmitting the data electronically.

We make it fast and reliable.

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Capital Access Business Line of Credit

Prime minus 3.00% for 3 months*
Please call one of our Loan Specialists at (518) 434 -1212 and we will work with you to find the right solution!!

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Individual Retirement Accounts

Individual Retirement Accounts

IRAs are available as a Savings Account or Certificates of Deposit with maturities ranging from 6 months to 60 months, including Roth IRAs and Education IRAs.

Interest rates are variable or fixed and additional deposits can be made to the savings account.

 

Checking

Personal Checking

We offer personal checking accounts ranging from interest earning accounts to basic checking accounts designed for limited check writing.

We can link accounts to provide even better value and more control over your money. We can link money markets accounts to reduce fees and cash reserve lines of credit to cover overdrafts.

ATM & MasterMoney® Debit Cards
Privilege Money Market Account
Cash Reserves

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Savings

Personal Savings

Regular Savings is the classic way to save for emergencies and the future. It pays you competitive rates, compounded daily.You can access your Regular Savings through an ATM.

Start good habits young. For young savers, there are no minimums, no fees. Every penny saved is a penny earning interest.

Depositor must be 17 years old or younger. Sorry, ATM access is not available with this account.

Personal Lending

Personal Lending

The Privilege Line puts borrowing power at your fingertips. Once qualified you can write a check up to $25,000. There is no annual fee and your rate is tied to our prime-lending rate.

Borrow up to 90% of the equity in your home at affordable fixed rates with your good credit.

Privilege Line of Credit
Home Equity Loans

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