Rates

Effective Date:  January 1, 2025

Boat & RV | Outdoor Activity | Mortgage | Home Loans | | Education Loans | Teacher Assistance Program | Secured Loans
 

Auto, Truck & Motorcycle

Loan Term In Months Vehicle Refinance Promotional
Annual Percentage Rate		 Vehicle Purchase Promotional 
Annual Percentage Rate		  
To – 24

6.50% 3.50%

 6.50%  4.50%

 

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25 – 36

7.00%  4.00%

7.00%  5.00%
37 – 48 7.50%  4.50% 7.50%  5.50%
49 – 60 7.75%  4.75% 7.75%  5.75%
61 – 72 8.25%  5.25% 8.25%  6.25%
73 – 841   8.50%  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 grand opening discounts that are currently available.  Refinance discount only applies when refinancing a vehicle from another financial institution.  Sample payment based on a 24 month Auto Loan at 3.50% APR* is $43.20 per $1,000 and includes the promotional discount for refinanced vehicles.  The credit union reserves the right to discontinue promotion at any time.  Must be credit qualified. Minimum credit score of 600.  

184 month term applies to new autos only.
 
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.  Credit union may discontinue promotion at any time.

184 month term applies to new autos only.

 

Boat and RV 

Loan Term In Months Promotional Fixed Annual Percentage Rate  
To – 24 7.50%  5.50%

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25 – 36 7.50%  5.50%
37 – 48 7.50%  5.50%
49 – 60 7.75%  5.75%
61 – 72 8.00%  6.00%
73 – 84 9.00%  7.00%
85 – 120+ 9.50%  7.50%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
 

Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available.  Sample payment based on a 24 month Boat/RV Loan at 5.50% is $44.10 per $1,000 and includes the promotional rate discount.  The credit union reserves the right to discontinue promotion at anytime.  Must be credit qualified.  Minimum credit score of 600.

+120 month term applies to new boats/RVs only.

 

 

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.

 

Outdoor Activity
 

Loan Term In Months Annual Percentage Rate  
To – 24 9.00%  7.00%

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25 – 36 9.00%  7.00%
37 – 48 9.25%  7.25%
49 – 60 9.50%  7.50%

Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available.  Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 7.00% APR* is $44.78 per $1,000 and includes the promotional rate discount. The credit union reserves the right to discontinue promotion at anytime.  Must be credit qualified. Minimum credit score of 600.

 

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.

 

Personal Unsecured
Loan Term In Months Promotional Fixed Rate APR*  
To – 24 10.00%  8.00%

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25 – 36 13.00%  11.00%
37 – 48

14.00%  12.00%
49 – 60 14.00%  12.00%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

Rates are published with the grand opening discounts that are currently available.  Sample payment based on a 24 month term at 8.00% APR* is $45.24 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 $500 | Maximum Loan $20,000

 

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 
The credit union reserves the right to discontinue promotion at anytime.

 

Mortgage
  Annual Percentage Rate

Mortgage Programs

Conventional Mortgages
Adjustable Rate Mortgages (ARM)
Federal Housing Administration (FHA)
Veteran Affairs (VA)
United States Department of Agriculture  (USDA)

Rates Calculator
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Home Equity Line of Credit
Term Maximum Amount Annual Percentage Rate
Term:  Up to 20 Years


Draw Period:  10 Years
(included in repayment term)

80% Loan to Value (CLTV)

Introductory Period
First 12 Months

5.50%

 

After Introductory Period
Prime + 1.00%

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
(Up to 60 Months)

6.99%

80% Loan to Value (CLTV)
 

POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
5 to 10 Years
(61 to 120 Months)

6.99%
10 to 15 Years
(121 to 180 Months)

6.99%
15 to 20 Years
(181 to 240 Months)

6.99%
Up to 20 years
(Up to 240 Months)

9.75%

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 5 year Home Equity Loan at 6.99% APR* and 80% Loan to Value (CLTV) is $19.80. Sample payment per $1,000, based on a 20 year Home Equity Loan at 9.75% APR* and 100% Loan to Value (CLTV) is $9.49.

 

Home Improvement
Loan Term in Months Annual Percentage Rate
To - 36 8.25%
37 - 48 8.50%
49 - 60 8.75%
61 - 72 9.00%
73 - 84 10.25%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

Rates are published with the highest possible rate.  Sample payment based on a 36 month Home Improvement Loan at 5.25% Annual Percentage Rate is $30.09 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
Loan Term in Months Maximum Amount Annual Percentage Rate
Up to 20 Years 133% Loan to Value (CLTV) 11.00%

RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

Sample payment per $1,000, based on a 20 year Home Improvement Loan at 11.00% APR* and 133% Loan to Value (CLTV) is $10.33 per $1,000.  Must be credit qualified.

 

ECASH (Overdraft Protection)
  Annual Percentage Rate***
Revolving Prime + 6.00%

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

 

STUDENT & EDUCATIONAL LoanS
  Annual Percentage Rate***
Undergraduate Student Loan Programs Click for Details
Student Loan Refinance Program
Consolidate Existing Student Loans		 Click for Details

Tuition Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University

$5,000 per school year, $15,000 maximum aggregate, 120 month term

 Prime + 2.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

 

Teacher 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). Sample payment based on a 9 month term at 0.00% APR* is $55.56 per $1,000.

 

Savings Secured Loan
  Annual Percentage Rate
Up to 60 Months

Share Rate + 1.50%

NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.

Minimum monthly payment $35.00
Sample payment based on a 60 month term at 1.55% APR* is $17.34 per $1,000.

 

Savings Secured Line of Credit
  Annual Percentage Rate
Revolving Share Rate + 1.50%

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 12/31/2022 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.

 

Unsecured Credit Disclosures

  • Maximum of unsecured credit per member is $20,000.00.

Disclosures

  • *APR = Annual Percentage Rate
  • **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. Conversion to a fixed rate option is available at any time during the life of the loan. Currently, the initial annual percentage rate (APR) is "discounted" as stated above and will be in effect for the first 6 months of the loan term. After the first 6 months of the loan term the rate will reflect Prime Rate PLUS the margin for the respective loan type.  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), and are disclosed with the lowest rate available to our members.  Credit union may discontinue promotion at any time.
  • ***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 1/01/2025 the Prime Rate was 7.50% APR (Annual Percentage Rate). The rate will be adjusted to the highest Prime Rate as published in the Wall Street Journal on the last day of every month plus the margin. Refer to our Home Equity Early Disclosure provided at time of application for complete details.
  • Lifetime Cap: The maximum Annual Percentage Rate that can apply is 18.00% or the maximum permitted by law, whichever is less.
  • Interest Rate Change: The interest rate is subject to change monthly and is based on the Index plus a margin.
  • Index: The Index is the highest Prime Rate as published in the Wall Street Journal on the last day of every month.
  • Margin: The margin is the percent added to the Index to determine the current Annual Percentage Rate (APR).
  • All rates disclosed above are done so using the APR (Annual Percentage Rate).
  • All rates are subject to change without notice.