Consumer Accounts


The Bank of Oswego is refreshingly friendly in our everyday banking practices. Know that you will not have to call an out-of-town 800 number and that your questions will always be answered directly. We will do everything possible to make banking convenient for you, whether on-site, on-line or at your door with our own courier service.

Personal Deposit Accounts
Personal Deposit Accounts
Lake O Personal Deposit Account
Our High Yield Checking account closes the gap between regular checking accounts and money market accounts. With a balance of $50,000 and above, you can earn yields higher than most competing money market products and still get all the services and convenience of a checking account. No more shuffling your money around to cover that check, or to get the highest interest rate. The tiered interest rate is an index to the 90 day Treasury Bill based on balance, updated on the first working day of the month. See the rate tab for the tiers, rates and Annual Percentage Yields.
Personal Checking Account
Interest-earning checking account offering unlimited checkwriting, deposits and withdrawals. Account access via the bank, Visaģ Check Card, ATM, Internet, mail or telephone.
Senior Checking Account
Interest-earning checking account offering Seniors (age 55 and up) unlimited check writing, deposits and withdrawals. Access via the bank, Visaģ Check Card, ATM, Internet, mail or telephone.
Student Checking Account
Interest-earning checking account offering check writing, deposits and withdrawals. Access via The Bank of Oswego, ATM, Internet, mail and telephone. On student's 24th birthday the account will convert to a Personal Checking Account. If the student is under 18 years of age, a parent must be added as joint owner.
Personal Savings Account
A variable rate, liquid savings account offering a competitive market rate of interest with no check writing privileges.
Personal Money Market Account
Earn a competitive market interest rate while having limited check writing ability.
Time Accounts (Certificates of Deposit or CDís)
Account offering a wide range of terms and interest payment methods at fixed rates. Customer is able to choose a time frame that fits a savings need while locking in the current interest rate. Offers a guaranteed interest rate with more security than an investment account.
IRA - Time Accounts (Certificates of Deposit or CDís)
Account offering a wide range of terms and interest payment methods at fixed rates available as Individual Retirement Accounts (IRAs), including Traditional IRAs, Conduit IRAs, Roth IRAs, Simplified Employee Pension (SEP) IRAs and Coverdell Education Savings Accounts (formerly known as Education IRAs). Offers a guaranteed interest rate with more security than an investment account.

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