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8-Month and 19-Month certificates of deposit


Save for the future and choose a 1.66% APY* 8-Month CD or a 2.21% APY* 19-Month CD!

Visit any branch or call 518.758.7101 to get started.  *Annual Percentage Yield. Rates effective June 1, 2018 and may change at any time prior to account opening. Special CD's will automatically renew into a 1-Year term at the current rate at that time. Minimum to open account is $500. Penalty will be imposed for early withdrawal. Fees may reduce earnings. May not be combined with any other rate promotions. Municipal and Institutional accounts are not eligible for promotion.

money market savings account

Or you can also get a great rate with our 1.50% APY* Money Market Savings Account!

*Annual Percentage Yield. Money Market Savings: Rate current as of June 1, 2018 and may change at any time. Minimum to open is $25,000. You must maintain an average daily balance of $25,000 to earn the disclosed APY. The initial interest rate of 1.49% and 1.50%APY is effective on the day of account opening and remains in effect for 6 months. On the 6 month anniversary date, the account will revert to the variable rates, tiers and applicable service charges in effect for a Money Market Savings account at that time that are posted on our website at Fees may reduce earnings. Limited time offer and may not be combined with any other rate promotions. Free gift when you open any new account while supplies last.



Put the equity in your home to work for you with our 5.25%APR variable rate Home Equity Line of Credit and pay no NYS Mortgage Tax!

Click here to submit your information and then click on Getting Started.  Our staff will contact you to see how we can help find the right home equity or mortgage product for you!


*Rate is variable and subject to change at any time. APR is Prime rate plus 0.50% with a floor rate of 5.25% and a ceiling rate of 14.50%.The Prime Rate for any billing cycle will be the latest Prime Rate for the U.S. published in the Money Rates section of the Wall Street Journal (“Latest U.S. Prime Rate”) on the last day on which the latest U.S. Prime Rate is published in the preceding calendar month. The Prime Rate as of March 21, 2018 is 4.75%. Applicants are subject to credit/income approval and must meet Kinderhook Bank underwriting guidelines to qualify. After the minimum draw required at closing, take up to 10 years to access the available credit line and 15 years to repay. Up to an 80% Total Loan to Value (LTV) ratio on a single family, primary or secondary, owner-occupied home. Up to 70% LTV on Investor 1-2 unit properties. Loan amounts available of $20,000 up to $417,000. Minimum draw required at closing equal to 20% of the total HELOC line amount or $25,000 whichever is less. If HELOC line is used for first lien position, borrower is required to purchase Title Insurance which generally totals between $644.00 and $3,477.96. Borrower is not required to pay NYS Mortgage tax. You must carry hazard insurance on the property that secures your agreement. If applicable, flood insurance may also be required. You may obtain insurance through any person or company of your choice, which is reasonably acceptable to the bank. Special offer applies to new HELOC applications only. Consult a tax advisor for further information regarding the deductibility of interest/charges. Limited time offer. Program may change at any time. NMLS #402626.


Mobile & Tablet Banking App!

Want to make your online banking even easier?  Search for Kinderhook Bank in the App Store(TM) or Google Play(TM) and download the app on your smart phone or tablet!  You need to be enrolled for our online banking program in order to use the app. Click here for more info!


Messenger Banking

Premier Messenger is a free* account alert system that allows online banking customers to set up messages. You choose what messages you want to receive based on your unique financial needs. And, you can set up alerts to be delivered via text message or by email! If you're already enrolled in Online Banking, login and click on the word "NEW" next to the account you would like to initiate an alert for. If you’re not already enrolled in online banking and want to enroll, please visit any branch, call us at (518)758-7101, or email us by clicking here.

* Third party data and messaging fees may apply.



They look just like your paper statements, and you'll receive them sooner!  When your eStatement is ready, we'll send you a secure e-mail letting you know you can view it online. Your eStatement will look just like your current paper statement and will contain the same information, so it's easy to use.  eStatements are FREE and available to you 24 hours a day, seven days a week!  If you’re already enrolled in online banking, sign in and enroll today! If you’re not already enrolled, click here for more info!