Auto, Truck & Motorcycle
|
Loan Term In Months |
Variable Rate/Fixed Payment** |
|
To – 24 |
Introductory APR* First 6 Months
0.99%
After Introductory Period
Prime + 1.00%
|
|
25 – 36 |
|
37 – 48 |
|
49 – 60 |
|
61 – 72 |
|
73 – 841 |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan.
Promotional rates expire on December 31, 2022.
|
|
Loan Term In Months |
Annual Percentage Rate |
Member Loyalty Discounts |
|
To – 24 |
4.50% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Active Checking Account |
-0.50% |
|
Active Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
Payment Calculator
|
|
25 – 36 |
5.00% |
|
37 – 48 |
5.50% |
|
49 – 60 |
5.75% |
|
61 – 72 |
6.25% |
|
73 – 841 |
6.50% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Sample payment based on a 24 month Auto Loan at 1.50% APR* is $42.32 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
Promotional rates expire on December 31, 2022.
|
Boat and RV
|
Loan Term In Months |
Variable Rate Fixed Payment** |
|
To – 24 |
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 3.00%
|
|
25 – 36 |
|
37 – 48 |
|
49 – 60 |
|
61 – 72 |
|
73 – 84 |
|
85 – 120 |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
Promotional rates expire on December 31, 2022.
|
|
Loan Term In Months |
Annual Percentage Rate |
Member Loyalty Discounts |
|
To – 24 |
6.50% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Active Checking Account |
-0.50% |
|
Active Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
|
25 – 36 |
6.50% |
|
37 – 48 |
6.50% |
|
49 – 60 |
6.75% |
|
61 – 72 |
7.00% |
|
73 – 84 |
8.00% |
|
85 – 120 |
8.50% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Sample payment based on a 24 month Boat/RV Loan at 3.50% is $43.20 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
Promotional rates expire on December 31, 2022.
|
Outdoor Activity
|
Loan Term In Months |
Variable Rate Fixed Payment** |
|
To – 24 |
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 4.00%
|
|
25 – 36 |
|
37 – 48 |
|
49 – 60 |
|
*Annual Percentage Rate
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
Promotional rates expire on December 31, 2022.
|
|
Loan Term In Months |
Annual Percentage Rate |
Member Loyalty Discounts |
|
To – 24 |
8.00% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Active Checking Account |
-0.50% |
|
Active Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
|
25 – 36 |
8.00% |
|
37 – 48 |
8.25% |
|
49 – 60 |
8.50% |
|
Rates apply to new or used fixed rate loans and are published with the highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 5.00% APR* is $43.87 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
Promotional rates expire on December 31, 2022.
|
Personal Unsecured
|
Loan Term In Months |
Variable Rate Fixed Payment** |
|
To – 24 |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 6.00%
|
|
25 – 36 |
|
37 – 48 |
|
49 – 60 |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
|
Loan Term In Months |
Fixed Rate APR* |
Member Loyalty Discount |
|
To – 24 |
9.00% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Active Checking Account |
-0.50% |
|
Active Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
|
25 – 36 |
13.00% |
|
37 – 48 |
14.00%
|
|
49 – 60 |
14.00% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Rates are published with the highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
Promotional rates expire on December 31, 2022.
|
STUDENT & EDUCATIONAL LoanS
|
|
Index/Margin*** |
APR* |
|
Undergraduate Student Loan Programs |
Click for Details |
|
Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
|
|
CU Educational Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
5.25% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. |
CA$HFlow Credit (Overdraft Protection)
|
|
Index/Margin*** |
Variable APR* |
|
Revolving |
Prime + 6.00% |
9.25% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
Savings Secured Loan
|
|
Annual Percentage Rate |
|
Up to 60 Months |
1.55%
Share Rate + 1.50%
|
|
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
|
Savings Secured Line of Credit
|
|
Index/Margin |
Variable APR* |
|
Revolving |
Share + 1.50% |
1.55%
|
|
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin. As of 6/30/2021 the Share Rate was 0.05% APR (Annual Percentage Rate). The rate will be adjusted on the last day of every month plus the margin.
|
Certificate of Deposit Secured Loan
|
Term |
Annual Percentage Rate |
|
Up to 36 Months |
Certificate Rate + 3.00% |
|
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
|
Home Equity Line of Credit
|
Term |
Maximum Amount |
Annual Percentage Rate |
|
Term: Up to 20 Years
Draw Period: 10 Years
(included in repayment term)
|
90% Loan to Value (CLTV)
|
Introductory Period
First 24 Months
1.99%
After Introductory Period
Prime + 1.00%
PROMOTIONAL RATES VALID UNTIL MARCH 31, 2022
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
|
|
Term: Up to 20 Years
Draw Period: 10 Years
(included in repayment term)
|
100% Loan to Value (CLTV) |
Prime + 2.50%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
Not to exceed $250,000.00
The credit union reserves the right to discontinue promotion at anytime.
Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin.
|
Home Equity Loan
|
Term |
Fixed Annual Percentage Rate |
Maximum Amount |
|
Up to 5 Years |
1.99%
|
90% Loan to Value (CLTV)
PROMOTIONAL RATES VALID UNTIL MARCH 31, 2022
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
|
|
5 to 10 Years |
2.50%
|
|
10 to 15 Years |
2.75%
|
|
15 to 20 Years |
3.25%
|
|
Up to 20 years |
5.75%
|
100% Loan to Value (CLTV)
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
Not to exceed $250,000.00
Sample payment per $1,000, based on a 15 year Home Equity Loan at 80% Loan to Value (CLTV) is $7.40 per $1,000. Sample payment per $1,000, based on a 20 year Home Equity Loan at 100% Loan to Value (CLTV) is $7.91 per $1,000.
|
Home Improvement
|
Loan Term in Months |
Annual Percentage Rate |
Member Loyalty Discount |
|
To - 36 |
7.24% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Active Checking Account |
-0.50% |
|
Active Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
|
37 - 48 |
7.49% |
|
49 - 60 |
7.74% |
|
61 - 72 |
7.99% |
|
73 - 84 |
9.24% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
|
Loan Term in Months |
Maximum Amount |
Annual Percentage Rate |
|
Up to 20 Years |
133% Loan to Value (CLTV) |
10.00% |
|
RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
Purchase Money Second Mortgage loan
|
Term |
Maximum Amount |
Fixed APR* |
|
Up to 30 years |
100% Loan to Value (CLTV) |
Mortgage Rate + 2.00% |
|
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. |
PURCHASE MONEY SECOND MORTGAGE line of credit
|
Term |
Maximum Amount |
Annual Percentage Rate |
|
Term: Up to 30 Years
Draw Period: 10 Years
(included in repayment term)
|
100% Loan to Value (CLTV) |
Prime + 2.50% |
|
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. |
Mortgage
|
|
Annual Percentage Rate |
|
Mortgage Programs |
Check Rates
|
SCHOOL SUPPLY ASSISTANCE LOAN
|
Loan Term In Months |
Fixed Rate APR* |
|
9 Months |
0.00% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
MORTGAGE REFINANCE line of credit
|
Terms |
Details |
Annual Percentage Rate |
|
Term: Up to 25 Years
Draw Period: 10 Years
(included in repayment term)
Maximum Amount:
100% Loan to Value (CLTV)
Maximum $250,000
|
No PMI Required
No Appraisal Fee
No Title Search Fee
No Application Fee
No Attorney Fee
No Recording Fee
No Pre Payment Penalty
No Tax Escrow Required
Cash Out Available
|
4.25%
Prime + 1.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
|
mortgage refinance LOAN
|
Terms |
Maximum Amount |
Fixed Annual Percentage Rate |
|
Term: Up to 20 years
Maximum Amount: 100% Loan to Value (CLTV)
Maximum $250,000
|
No PMI Required
No Appraisal Fee
No Title Search Fee
No Application Fee
No Attorney Fee
No Recording Fee
No Pre Payment Penalty
No Tax Escrow Required
Cash Out Available.
|
5.25%
Prime Rate + 2.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
Term: Up to 30 years
Maximum Amount: 100% Loan to Value (CLTV)
Maximum $250,000
|
100% Loan to Value (CLTV)
Maximum $250,000
Cash Out Not Available.
|
5.25%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
Title insurance may be required at owner’s expense. This offer is good for refinance only, cash out may be available. Must be primary residence and first lien only. Maximum amount financed is 100% of the combined loan to value (CLTV), not to exceed $250,000. New York State mortgage tax is required and paid by the borrower. Geographic Areas: Only properties located in the following counties will be considered: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington.
1.00% Origination Fee Applies.
|
Auto Loans - Great RATE for ALL CREDIT SCORES!
Whether you would like to refinance an existing loan, upgrade your vehicle or buy the motorcycle you have always dreamed of, we would like to help. Plus, we are offering special, loyalty rates on all autos, trucks and motorcycle loans!
Features & Benefits
Low payment terms
Great rates for all credit scores
Up to 60 days until your first payment
Autos, trucks or motorcycles
New or pre-owned purchase
Plus
Refinance from another institution, cash out equity may be available
Skip-A-Pay Program Available
The Application Process
1. Get started by filling out our online application or visiting one of our branches.
2. Get preapproved. We will process your application and notify you when your preapproval is completed, usually the same day.
3. Finalize the deal, send us the purchase agreement and sign the loan documents online using Docusign or stop by the branch.
4. We will cut you a check to purchase your new vehicle.
Apply
Earn Rewards!
Earn 2,500 bonus points when you book or refinance an auto loan with us.
Rewards can be redeemed for:
Cash back
Gift Cards
Travel
And More!
See the Rewards You Can Earn
Not a rewards member?
Sign up today by becoming a cardholder, or give us a call at 518.583.2323.
Open a VISA® Platinum Credit Card
Resources
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Your credit union wants to ensure that you and your loans are protected. Protect your family and lessen the burden of making your loan payments should you become unemployed, disabled or lose your life with Debt Protection.
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With discounts for credit union members, the TruStage Auto Insurance Program could save you money. It’s easy to get a quote and make the switch—even if you’re already covered with another company, you won’t lose a penny.
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Securely pay your loan using a debit card or e-check from another bank or credit union.
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Vehicles and Boats for Sale
Please refer to TCAR for terms and details, http://www.tcar-recovery.com/.