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Our Rates

Our Deposit and Loan Interest Rates






  • APY = Annual Percentage Yield
  • Interest Rates and APYs are effective July 31, 2023
  • The APY may change after the account is opened
  • Fees could reduce the earnings on the interest-bearing accounts
Account Type Minimum Deposit  to Open Minimum Balance to obtain APY Interest Rate APY
Direct Checking N/A N/A N/A N/A
Bank On Checking $25.00 N/A N/A N/A
Senior Checking N/A N/A
 N/A 
 N/A
Student Checking N/A N/A
 N/A
 N/A
Holiday Club Account $3.00 $3.00 .20% .20%
Interest Checking N/A N/A .07% .07%
Statement Savings N/A $100.00 .15% .15%
Money Market Checking N/A N/A .15% .15%
Super Money Market Checking $25,000.00 — — —
Tier 4 — $200,000.00 or Higher .30% .30%
Tier 3 — $100,000.00 to $199,999.99 .25% .25%
Tier 2 — $25,000.00 to $99,999.99 .20%

.20%
Tier 1 —
$.01
to
$24,999.99
 N/A N/A
Business Regular Checking N/A
N/A
 N/A N/A
Small Business Checking N/A N/A N/A N/A
Business Statement Savings N/A $100.00 .15% .15%
Business Money Market Checking N/A N/A .15% .15%
Business Super Money Market Checking $25,000.00 — — —
Tier 4 — $200,000.00 or Higher .30% .30%
Tier 3 — $100,000.00 to $199,999.99 .25% .25%
Tier 2 — $25,000.00 to $99,999.99 .20%

.20%
Tier 1 —
$.01
to
$24,999.99
 N/A N/A
IOLA Interest Checking N/A
N/A
 .05% .05%
Public Fund Savings N/A $100.00 .15% .15%
Public Fund Interest Checking N/A N/A .15% .15%
Public Fund Money Market Checking N/A N/A .15% .15%
Public Fund Super Money Market Checking $25,000.00 — — —
Tier 4 — $200,000.00 or Higher .20% .20%
Tier 3 — $100,000.00 to $199,999.99 .20% .20%
Tier 2 — $25,000.00 to $99,999.99 .20% .20%
Tier 1 —
$.01 
to
$24,999.99
 N/A N/A
Any Catskill Hudson Bank Certificate of Deposit account may be used as an IRA investment.

  • APY=Annual Percentage Yield
  • Interest Rates and APYs are effective August 10, 2023
  • The interest rate will not change for term of the account
  • The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings
  • We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day
  • A penalty may be imposed for early withdrawal
Term Interest Rate APY Minimum Opening Deposit
3 Month CD .20% .20% $500.00
6 Month CD .25% .25% $500.00
12 Month CD .35% .35% $500.00
18 Month CD .40% .40% $500.00
24 Month CD .50% .50% $500.00
30 Month CD .55% .55% $500.00
36 Month CD .60% .60% $500.00
48 Month CD .70% .70% $500.00
60 Month CD .75% .75% $500.00
7 Month CD Promo 4.50% 4.60% $500.00

APRs (1) accurate as of Tuesday, September 26, 2023
Interest Rate
(as low as)
 Points APR (1) Monthly Payment Per $1000
30 Year Fixed 7.250% 0 7.361% $6.82
15 Year Fixed 7.000% 0 7.176% $8.99
(1) APR = Annual Percentage Rate. Rates are subject to change without notice. Loans are subject to credit approval. Escrow may be required for loans with a loan balance to appraisal value that is greater than 80%. Payments do not include amounts for applicable taxes and insurance premiums. Actual monthly payments will be greater. Other conditions may apply. Catskill Hudson Bank cannot be held responsible for online calculator errors.
APRs (1) accurate as of Tuesday, September 26, 2023
Interest Rate
(as low as)
 Points APR (1) (2) Monthly Payment Per $1000
7/6 ARM
7 Year Fixed / 6 Month Adjustable for 30 Year Term (3)
 6.625% 0 7.433% $6.40
10/6 ARM
10 Year Fixed / 6 Month Adjustable for 30 Year Term (3)
 6.750% 0 7.303% $6.49
(1) APR = Annual Percentage Rate. Rates are subject to change without notice. | (2) The APR for 7 year fixed/6 month adjustable, 10 year fixed/6 month adjustable mortgage products may be increased during the loan term | (3) The margin rate is 2.750% and will be the floor rate. First adjustment is based on a current index, plus a margin, subject to the floor rate, initial adjustment, 6 month adjustment and lifetime adjustment caps. Loans are subject to credit approval. Escrow may be required for loans with a loan balance to appraisal value that is greater than 80%. Payments do not include amounts for applicable taxes and insurance premiums. Actual monthly payments will be greater. Other conditions may apply. Catskill Hudson Bank cannot be held responsible for online calculator errors.
Bank Paid Closing Cost (6)
APRs (1) accurate as of Tuesday,  September 26, 2023
APR (1) (4)
Interest Rate (4)
 Minimum / Maximum Line Available (5)
8.750% Prime + .25% $20,000 - $200,000
(1) APR = Annual Percentage Rate. Rates are subject to change without notice. | (4) Rate is variable and subject to change at any time. The maximum rate is 14.500%. Prime rate plus 0.250% with a floor rate of 8.750% (the start rate). Rate based on the Wall Street Journal (WSJ) Prime rate plus .250%. WSJ Prime rate is published in the Money Rates section of the Wall Street Journal “Latest U.S. Prime Rate” The WSJ Prime rate is presently: 8.500% and last changed Thursday, July 27, 2023 | (5) Total Indebtedness (Combined Mortgages) may not exceed $726,200. | (6) Catskill Hudson Bank will pay all standard closing costs with the exception of Title Insurance, required on 1st lien loans. If required, Title Insurance costs can range between $650 to $1,500 depending on the loan transaction. A recapture fee, not to exceed costs incurred by the bank, will be charged if the line is paid off and closed within the first 36 months. Other Fees: Return Check $20, Stop Payment $30. Please contact us for additional information. All loans are subject to credit and underwriting approval. Maximum approved financing is 80% of appraised value of the house minus existing first mortgage balance, if any. The maximum rate is 14.500%. Minimum draw at closing is 20% of the credit line or $25,000 whichever is less. The Minimum draw amount is $500.00 Customer required to maintain property insurance. Other conditions may apply.
Please contact your local branch for current loan rates
Please contact your local branch for current loan rates