The Best Short Term CD Rates In New York

Pathfinder Bank of Oswego, New York offers the best short term CD rates in the state.  The bank is running a promotional special on a 5month terms CD and a 13 month term CD.  The 5month CD has an interest rate of 4.07% and an APY of 4.15%.  The 13 month CD has an interest rate of 4.31% and a 4.40% APY.  The minimum deposit required to open these accounts and receive the advertised rate is $2,500.00.  Pathfinder Bank, a New York chartered savings bank headquartered in Oswego, New York.  The Bank has seven full service bank branch offices located in its market area consisting of Oswego County.

Along with these promotional CD rates, Pathfinder Bank offers an assortment of bank services to its personal, business and municipal customers.  Partial listings of these services include.

Convenient internet banking access for its customers.
A separate investment and trust services department.
Check imaging from and a statement filing system for checking account customers.
For personal customer bank accounts the bank offers statement savings, money market deposit accounts, certificates of deposit, Individual Retirement Accounts, Health Savings Accounts.
Pathfinder Bank has more than one type of checking account; each checking account is designed to offer flexibility and convenience for the user.
Pathfinder Bank has a lending department that helps borrowers find the best home loan to meet their home lending needs including; fixed rate mortgages, adjustable rate mortgages, home builder loans, modular/manufactured home loans, land loans and home equity lines of credit.
Lending products also include personal lines of credit, unsecured and secured personal loans, auto loans and home improvement loans.
The bank offers Visa personal credit cards that feature worldwide acceptance, free online account access, complete fraud protection, travel accident insurance, purchase protection/extended warranty and more.
For additional card offers, the bank provides ATM cards, debit Cards and Visa gift cards.
There is an array of products and services for municipal customers that includes municipal checking, municipal savings accounts, statement savings, money market deposit accounts and certificates of deposit.
The bank provides financing and product services to municipalities, school districts, and special units of government throughout New York State with service such as tax anticipation notes, revenue anticipation notes, bond anticipation notes, serial bonds, statutory installment bonds, municipal credit cards, municipal merchant card processing and municipal direct deposit.
Business products include checking accounts and business savings that provides customers with an option to earn interest on all excess cash balances with business savings accounts, executive money market deposit accounts and certificates of deposit
Additional bank business services and products assist customers with the construction and/or permanent financing of commercial real estate, provide financing for the purchase of equipment, vehicles, permanent working capital, and leasehold improvements and assists customers with meeting short term needs with time notes.
Business lines of credit are also offered to help business customers with their seasonal working capital needs.
Along with the personal credit card products, the bank has business credit cards as well.
With the banks business cash management program, the bank helps to maximize the customer’s cash assets through competitive money market mutual funds while still covering necessary checks for expenses written on that account.
To round out some of the business accounts and services, the bank provides merchant card processing that provides electronic processing of credit cards, debit cards and checks

For more details on the bank products or to open an account, call a bank representative at 800-811-5620.  The bank web address is www.pathfinderbank.com.  All information is deemed to be accurate and is updated by bank sources on November 29, 2008.

This entry was posted on Saturday, November 29th, 2008 at 9:16 pm and is filed under Bank Promotions. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.