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December 2017 Money Market and CD Special

*Annual Percentage Yield (APY) of 1.10% is accurate as of 9/1/2017 for the first 12 months (‘initial term’) of account opening.

$5,000 minimum, opening balance of new money required to earn APY. New money is defined as money not currently on deposit at Cortland Bank. Offer not valid for public funds. Rate available up to $1,000,000 per depositor. Interest is compounded and paid quarterly. APY of 1.10% is applicable to ‘initial term’ only. After the ‘initial term’ the APY will be variable based on the standard Cortland Bank offering for money market accounts. As of 9/1/2017: Balances up to $24,999.99 earn .020% APY, Balances $25,000-$49,999.99 earn .070% APY, Balances $50,000-$99,999.99 earn .120% APY, Balances $100,000 or over earn .170% APY. If account qualifications are not met the standard rate will apply. Rates are subject to change. Fees may reduce your earnings on your account. This offer may be withdrawn at any time.

Federal regulation prohibits you from making more than a total of six transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by preauthorize or automatic agreements, telephone, or online. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your money market accounts to a non-interest bearing checking account. Promo Code: HudsonMMSept17

**Annual Percentage Yield (APY) is accurate as of 12/19/2017. Certificate of Deposit (CD) term is 19 months.

$5,000 minimum opening balance of new money required to earn APY. New money is defined as money not currently on deposit at Cortland Bank. Public funds are not eligible. CD interest is compounded and paid quarterly. APY applicable to initial term only. At maturity, CD will automatically renew for an 18-month term, and will earn the interest rate and APY for regular CD for that term, unless the Bank has notified you otherwise. Upon renewal of a regular CD at 18 months, interest will be compounded quarterly. Early withdrawal penalties apply. Not valid with any other offer. This offer may be withdrawn at any time. Rate subject to change. Fees may reduce earnings on your account. Rate publish date: 12/19/2017. FDIC insured up to applicable limits.

Promo Code: DecemberCD17

For a limited time only, save big on closing costs!


*Enjoy $300 Discount off Mortgage Closing Costs:
Offer valid on applications taken between January 19, 2018 and April 30, 2018 (and closed by June 29, 2018), on first mortgages 1-4 family; owner occupied only; primary residence; home purchase or refinance transactions. Excludes home equity and line of credit products. New applications only. Offer subject to change, removal without notice.
Subject to underwriting and approval.

Promotion Code: 300Spring2018