Vehicle & Equipment Loans
Loan Type	Annual Percentage Rate	Details
Vehicle Loans	Prime + 2.00%	Payment: Variable Term: Up to 72 Months
Equipment Loans	Prime + 5.00%	Payment: Variable Term: Up to 72 Months
Multi-Purpose Lending For Owner Operated Businesses	Request a Quote	Financing offered through a relationship with Newtek Small Business Finance, Inc.
APR for Variable Rate/Fixed Payment loans, which may vary, is indexed to the highest Prime Rate in the Wall Street Journal on the last day of each month, plus the rate margin indicated above. Your payment is set at time of application and will not change; instead, the term may be shortened or lengthened. As of 1/01/2025, the highest Prime Rate was 7.50%. All rates disclosed above are done so using the APR (Annual Percentage Rate). All loans will be written at the above rate plus a 1% origination fee. Maximum Annual Percentage Rate is 18.00%.

Business Lines of Credit
Loan Type	Annual Percentage Rate	Details
Business Ca$hFlow Line of Credit¹	Prime + 11.00%	Payment: Variable Term: Open
Business VISA^® Credit Card & Secured Business VISA^® Credit Card	Prime + 6.00%	Payment: Variable Term: Open Rates & Terms
Savings Secured Line of Credit	Prime + 1.00%	Payment: Variable Term: Open
¹Monthly payment is 2.00% of total outstanding balance or $25.00, whichever is greater. $25.00 monthly fee does apply. Overdraft is protection for your Business checking account. Maximum Annual Percentage Rate is 18.00%.

Business Real Estate Loans
Loan Type	Annual Percentage Rate	Details
Business Real Estate	Prime + 2.25%	Payment: Fixed Term: Up to 180 months
Real Property Improvement	Prime + 3.00%	Payment: Variable Term: Up to 180 months
Business Line of Credit Secured by Real Estate	Prime + 3.25%	Payment: Variable Term: Up to 180 months Draw Period 10 Years (included in repayment term)
1 to 4 Family, Investor, Non-Owner Occupied Mortgage	Personalized Quote	Term: Up to 15 year term with 30 year amortization
Owner Occupied Real Estate	Request a Quote	Financing offered through a relationship with Newtek Small Business Finance, Inc.
Investment Property Financing	Request a Quote	Financing offered through a relationship with First New York Federal Credit Union.
Commercial Real Estate Loans	Request a Quote	Financing offered through a relationship with First New York Federal Credit Union.

Small Business Authority (SBA) Loans
Loan Type	Annual Percentage Rate	Details
SBA 7(a) Loan Program	Request a Quote	Financing offered through a relationship with Newtek Small Business Finance, Inc.
SBA CDC/504 Loan Program	Request a Quote	Financing offered through a relationship with Newtek Small Business Finance, Inc.

VISA^®
	Annual Percentage Rate
Business Visa^®	Prime + 6.00%
Limits available from $500 to $15,000. Business Visa® monthly payments will be 2.00% of the total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any mount that exceeds your credit limit.

Disclosure Information	Annual Percentage Rate
Annual Percentage Rate for Purchases	Prime + 6.00%
Cash Advance	Prime + 6.00%
Balance Transfer	Prime + 6.00%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance (Including New Purchase)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Foreign Transaction Fee	2% of transaction amount
Balance Transfer Fee	1% of transaction amount
Late Payment Fee	$27.00
Over-the-Credit Limit Fee	None

Small Business Lending

Lines of Credit
Business Loans	Benefits	Details
Business Ca$hFlow Line of Credit	Ensure your business has the cash flow needed to operate fully by attaching a line of credit to your business checking account. With a Business CashFlow Line of Credit you are protected should you attempt to process a payment and not enough funds are available in your business checking account. The loan will only be utilized as you need it and you will only pay interest on what is accessed. Get the added protection you deserve today.	Loan Limit Amount: $500 to $20,000 Details Business Checking Account Required Fees: $25 Annual Fee Rates
Business Visa Credit Card	We understand that you need a credit card to run your business but you don't need your credit card to be an expense item. Offering credit lines from $500 to $15,000, no annual fee and a 25-day grace period on purchases. This card can help you purchase the necessities to operate your business.	Loan Limit Amount: $500 to $15,000 Rates
Secured Business Visa Credit Card	A VISA secured credit line will provide you with the flexibility of a credit card, no annual fee and a 25-day grace period on purchases. Collateral The funds within the savings account are held as collateral.	Loan Limit Amount: $500 to $15,000 Maximum Loan to Value (LTV): 90% Rates
Savings Secured Line of Credit	A secured line of credit offers the ability to borrow money at a very competitive rate. This product will provide additional funds in the form of a credit line while keeping the funds you have saved within your account. Collateral The funds within the savings or certificate of deposit account are held as collateral.	Loan Limit Amount: $500 to Account Balance Maximum Loan to Value (LTV): 100% Rates

Business Real Estate Loans
Business Loans	Benefits	Details
1 to 4 Family, Investor, Non-Owner Occupied Mortgage	Invest in a 1 to 4 family building for investment purposes. This non-owner occupied loan can help you acquire, refinance, construct and/or invest in real property. Collateral Business real estate will be secured as collateral.	Loan Limit Amount: Up to $766,550 Maximum Loan to Value (LTV): 80% Fees: Up to 1.5% Origination Fee Geographic Area: Properties located in the following counties will be considered: Albany, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren, and Washington. Rates

Resources

Build Your Brand

Branding is a crucial element to developing and growing your business. Website development, digital marketing and ecommerce are tools to help you communicate your brand to potential customers. Let our experts help you spread the word.

Payments, Billing and Payroll

Accepting electronic payments can increase your sales, cash flow, and customer satisfaction. Allow your customers the freedom and flexibility to pay how they wish and even on the go with mobile payments and Apple Pay.

Business Savings & Checking

Running a business comes with its own challenges, that’s why our business checking account features unlimited transactions for a low monthly fee. Save time and money by banking on- the-go using our mobile banking with check deposits. Open your account today.

Small Business Lending

Resources

Build Your Brand

Payments, Billing and Payroll

Business Savings & Checking

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