Online Banking Login

  • Richmondville: 518-294-6661
  • Cobleskill: 518-234-4397
  • Schoharie: 518-295-8884

Individual Retirement Accounts

Plan for the future now and make your retirement years more secure and enjoyable. If you start saving with an IRA early, your retirement funds can really grow. And it’s never too late to benefit from the tax advantages that IRAs offer.

Traditional and Roth IRAs

Start with an auto-renewing Certificate of Deposit and open your IRA with as little as $500.

  • Competitive interest rates
  • Select a term and program that best fits your needs and retirement date
  • Talk with your tax advisor to see which IRA best meets your needs

Education IRAs

The Education IRA was created for the purpose of paying for the future cost of a college education.

  • Education IRAs permit total after-tax contributions of $500.00 per year for each child until they reach the age of 18
  • Ask one of our IRA experts for complete details



Richmondville Office:

284 Main Street
PO Box 130
Richmondville, NY 12149
(518) 294-6661


Cobleskill Office:

857 East Main Street
PO Box 40
Cobleskill, NY 12043
(518) 234-4397


Schoharie Office:

428 Main Street
PO Box 488
Schoharie, NY 12157
(518) 295-8884