Auto, Truck & Motorcycle
Loan Term In Months	Paylock Loan 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. 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. ¹84 month term applies to new autos only. 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.

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 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.

¹84 month term applies to new autos only.

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. 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

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.

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 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. Minimum Loan $500 \| Maximum Loan $20,000.00 *Promotional rates expire on December 31, 2022.*

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.

Minimum Loan $500 | Maximum Loan $20,000.00

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 $5,000 per school year, $15,000 maximum aggregate, 120 month term, 1% Origination Fee.	Prime + 2.00%	7.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

ECASH (Overdraft Protection)
	Index/Margin***	Variable APR*
Revolving	Prime + 6.00%	11.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Monthly payment is 2.00% of total outstanding balance or $25.00, whichever is greater. Overdraft is protection for your Checking Account. Limits of $250 to $20,000 Available

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. Minimum monthly payment $35.00

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. Minimum Limit - $500 \| Maximum Limit - $75,000.00 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. Limits available from $500 up to certificate balance.

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 DECEMBER 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 DECEMBER 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	8.00% Prime Rate + 2.50%	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 90% 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.

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. Sample payment based on a 36 month Home Improvement Loan at 4.24% Annual Percentage Rate is $29.63 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.

Minimum Loan $1,000.00
Maximum Loan $15,000

Promotional rates expire on December 31, 2022.

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. Sample payment per $1,000, based on a 20 year Home Improvement Loan at 133% Loan to Value (CLTV) is $9.66 per $1,000. Must be credit qualified.

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.

Sample payment per $1,000, based on a 20 year Home Improvement Loan at 133% Loan to Value (CLTV) is $9.66 per $1,000. Must be credit qualified.

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.

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. Qualifications Available to all New York State Certified Teachers who are currently employed as an educator in New York State. Proof of employment required. Through this program members will have a 9 month term to repay the loan with 0.00% Annual Percentage Rate (APR).

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	6.50% Prime + 1.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
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. 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.

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.	7.50% 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.	7.50% Prime Rate + 2.00% 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.

Boat & RV Loans - lOYALTY DISCOUNT!

Whether you would like to refinance an existing loan, upgrade or buy new, we would like to help. Plus, we are offering a special, loyalty discount on rates for boat and RV loans!

Features & Benefits

No Payments January and February
60 Days to Your First Payment
All Credit Scores Receive the Same Rate
Refinances & Purchases
New and Used Boats & RVs
All Model Years

Calculator

Apply

Rates

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 boat or RV.

Apply

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Rewards can be redeemed for:
Cash back
Gift Cards
Travel
And More!
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Boat & RV Loans - lOYALTY DISCOUNT!

Features & Benefits

The Application Process

Earn Rewards!

Resources

Insurance Discounts

Debt Protection

Pay Your Loan

Boat & RV Loans - lOYALTY DISCOUNT!

Features & Benefits

The Application Process

Earn Rewards!

Resources

Insurance Discounts

Debt Protection

Pay Your Loan

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