Loan Rates                                           

Rates effective as of 07/01/10 --  APR based on evaluation of applicant's credit. Your actual APR may vary. If you apply for a loan but do not meet the criteria for loan approval at the time of your application or if you do not provide the required collateral, we may not be able to extend credit to you.

 

As low as:

 

Auto Special for 2008, 2009, 2010 & 2011 models, as low as

 

 3.99%

Notes:
Maximum term of 60 months for this offer. Please call a loan officer at 315-488-4433 for complete details.

Auto, Truck & Motorcycle (includes classic cars)

 

 

Term

Annual Percentage Rate

Notes:

01 - 36 mo. as low as
37 - 60 mo. as low as
61 - 72 mo. as low as
73 - 84 mo. as low as
5.44%
5.84%
6.74%
7.24%

 

Untitled Collateral (ATV, Jetski, snowmobile)

 

 

Term

Annual Percentage Rate

Notes:

01 - 36 mo. as low as
37 - 60 mo. as low as

9.35%
10.40%

 

New Boats / RVs (2010 and newer)

 

 

Term

Annual Percentage Rate

Notes:

01 - 84 mo. as low as
85 - 180 mo. as low as

8.10%
8.35%

 

Used Boats / RVs (2009 and older)

 

 

Term

Annual Percentage Rate

Notes:

01 - 72 mo. as low as
73 - 120 mo. as low as

9.05%
10.30%

 

Mortgage Rates

 

 


Click to check Current Rates

 

 

Home Equity, 1st position

 

 

Term

Annual Percentage Rate

Notes:

01 - 60 mo. as low as
61 - 120 mo. as low as
121 - 180 mo. as low as
181 - 240 mo. as low as

5.44%
5.84%
6.24%
6.64%



 

Home Equity, 2nd position

 

 

Term

Annual Percentage Rate

Notes:

01 - 60 mo. as low as
61 - 120 mo. as low as
121 - 180 mo. as low as
181 - 240 mo. as low as

5.94%
6.34%
6.74%
7.14%

 

Home Equity Line of Credit

(draw on balance  as  needed
with  your HELOC checkbook)

 

Term

Annual Percentage Rate

Notes:

5 year draw, then 15 year repayment,
as low as


4.000%

Loan to value - 80%
max. of $75,000

Visa Platinum Credit Cards (Click here for application)

 

 

Visa Platinum with Rewards Credit Card

Annual Percentage Rate:    8.9% - 16.9%

Notes:    Max. of $35,000

Visa Platinum without Rewards Credit Card

Annual Percentage Rate:    7.9% - 15.9%

Notes:    Max. of $35,000

Personal Loan

 

 

Term

Annual Percentage Rate

Notes:

01 - 36 mo. as low as
37 - 60 mo. as low as
61 - 72 mo. as low as
73 - 84 mo. as low as

10.49%
11.99%
13.49%
14.49%

 

Private Student Loans

 

 

 

Click here to see how rates are determined

 

Overdraft Protection

 

 

Term

Annual Percentage Rate

Notes:

Revolving

18%

 

Write Line of Credit

 

 

Term

Annual Percentage Rate

Notes:

Revolving

13.9%

 

Share Secured Loan

 

 

Term

Annual Percentage Rate

Notes:

up to 144 months

Variable

3% above dividend
paid on regular shares


 


LTV = Loan to Value

* Unsecured
Aggregate Limit Per Member - $35,000.

** Secured
Aggregate Limit Per Member (Excluding Real Estate - $100,000).
Aggregate Limit Per Member (Including Real Estate - $325,000).

*** Risk based pricing in effect.
Maximum interest rate does not exceed 18%

Copy of most recent paystub should accompany the loan application. Please note - these are maximum terms and amounts. Interest is calculated on the unpaid balance of the loan after each principal payment, and accrues daily. All payments are applied first to interest, then principal.