Business Savings & Checking
	Minimum Balance Requirement	APY*
Savings	$2.50	0.05%
Business Checking	none	0.00%
Sub-Accounts	none	0.05%
Dividend on average daily balances of $50.00 or more.

Business Money Market
Balance	APY*
$2,500.00 to $9,999.99	0.05%
$10,000.00 TO $24,999.99	0.05%
$25,000.00 and over	0.05%
Dividend on average daily balances of $2,500.00 or more 3 free withdrawals per month, $5 fee for each withdrawal after 3

Business Certificates Accounts
Term	APY*
3 Months 90 to 179 days	0.05%
6 Months 180 to 359 days	0.10%
12 Months 360 to 719 days	0.15%
2 Years 720 to 1,079 days	0.15%
3 Years 1,080 to 1,439 days	0.15%
4 Years 1,440 to 1,799 days	0.15%
5 Years 1,800 days	0.20%
$500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends; early withdrawal penalty could reduce earnings on the account. Balances in excess of $250,000 are not insured by NCUSIF.

Vehicle & Equipment Loans
Loan Type	Annual Percentage Rate (APR)	Details
Vehicle Loans	10.50% Index + Margin: Prime + 2.00%	Payment: Variable Term: Up to 72 Months
Equipment Loans	13.50% Index + Margin: 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 7/31/2023, the highest Prime Rate was 8.50%. 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 (APR)	Details
Business Ca$hFlow Line of Credit¹	18.00% Index + Margin: Prime + 11.00%	Payment: Variable Term: Open
Business VISA^® Credit Card & Secured Business VISA^® Credit Card	14.50% Index + Margin: Prime + 6.00%	Payment: Variable Term: Open Rates & Terms
Savings Secured Line of Credit	9.50% Index + Margin: 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 (APR)	Details
Business Real Estate	10.75% Index + Margin: Prime + 2.25%	Payment: Fixed Term: Up to 180 months
Real Property Improvement	11.50% Index + Margin: Prime + 3.00%	Payment: Variable Term: Up to 180 months
Business Line of Credit Secured by Real Estate	11.75% Index + Margin: 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 (APR)	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^®
	Index + Margin	APR*
Business Visa^®	Prime + 6.00%	14.50%
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	Business Visa^®
Annual Percentage Rate for Purchases	14.50%
Cash Advance	14.50%
Balance Transfer	14.50%
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	None
Late Payment Fee	$27.00
Over-the-Credit Limit Fee	None

VISA^®
	Index + Margin	APR*
Business Visa^®	Prime + 6.00%	14.50%
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	Business Visa^®
Annual Percentage Rate for Purchases	14.50%
Cash Advance	14.50%
Balance Transfer	14.50%
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	None
Late Payment Fee	$27.00
Over-the-Credit Limit Fee	None

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

Loan Term In Months

Annual Percentage Rate

Thanku Discounts

To – 24

5.50%

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%
Currently employed in any of the following professions or industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

Payment Calculator

25 – 36

6.00%

37 – 48

6.50%

49 – 60

6.75%

61 – 72

7.25%

73 – 84¹

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 highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. Sample payment based on a 24 month Auto Loan at 2.50% APR* is $42.77 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.

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.

Loan Term In Months

Annual Percentage Rate

Thanku Discounts

To – 24

7.50%

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%
Currently employed in any of the following industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

25 – 36

7.50%

37 – 48

7.50%

49 – 60

7.75%

61 – 72

8.00%

73 – 84

9.00%

85 – 120

9.50%

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. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. Sample payment based on a 24 month Boat/RV Loan at 4.50% is $43.65 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.

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.

Loan Term In Months

Annual Percentage Rate

Thanku Discounts

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%
Currently employed in any of the following industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

25 – 36

9.00%

37 – 48

9.25%

49 – 60

9.50%

Rates apply to new or used fixed rate loans and are published with the highest possible rate. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of term of the enrollment. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 6.00% APR* is $44.32 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.

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

Loan Term In Months

Fixed Rate APR*

Thanku Discounts

To – 24

10.00%

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%
Currently employed in any of the following industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
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. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. 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

STUDENT & EDUCATIONAL LoanS
	Index/Margin***	APR*
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%	10.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

ECASH (Overdraft Protection)
	Index/Margin***	Variable APR*
Revolving	Prime + 6.00%	14.50%
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 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.

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 12 Months 2.99% 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%	90% 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 20 year Home Equity Loan at 6.99% APR* and 90% Loan to Value (CLTV) is $7.76. 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

Thanku Discounts

To - 36

8.25%

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%
Currently employed in any of the following industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

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. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of term of the enrollment. 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.

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.

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

CLASSROOM 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	9.50% 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.	10.50% 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.	10.50% 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.

Money Market CHECKING
Balance	Dividend Rate	APY*
$50.00 to $2,499.99	1.045%	1.05%
$2,500.00 to $9,999.99	1.174%	1.18%
$10,000.00 to $24,999.99	1.342%	1.35%
$25,000.00 to $249,999.99	1.391%	1.40%
$250,000 and over	0.000%	0.00%
Dividends earned on average daily balances of $50.00 to $250,000 Maximum balances $250,000.

Certificate Accounts
Term	Dividend Rate / APY*	Member Loyalty Certificate APY⁺ Available for money on deposit as of 1/1/2023
3 Months 90 to 179 days	Dividend Rate 0.05% APY* 0.05%	Dividend Rate 1.17% APY* 1.18%
6 Months 180 to 359 days	Dividend Rate 0.10% APY* 0.10%	Dividend Rate 1.44% APY* 1.45%
12 Months 360 to 719 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.39% APY* 1.40%
2 Years 720 to 1,079 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.54% APY* 1.55%
3 Years 1,080 to 1,439 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
4 Years 1,440 to 1,799 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
5 Years 1,800 days	Dividend Rate 0.20% APY* 0.20%	Dividend Rate 1.69% APY* 1.70%
Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate. $500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends; early withdrawal penalty could reduce earnings on the account. Balances in excess of $250,000 are not insured by NCUSIF

CHECKING Products
	Minimum Balance Requirement	APY*
Basic Checking	none	0.00%
Premier Checking	none	0.05%
High Yield Checking	none	0.05%
Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings.

IRA Savings
	APY*
IRA Shares	0.25%
Dividend on average daily balances of $50.00 or more

IRA Certificate Accounts
Term	APY*
1 Month 30 to 59 days	0.05%
2 Months 60 to 89 days	0.05%
3 Months 90 to 119 days	0.05%
4 Months 120 to 179 days	0.05%
6 Months 180 to 359 days	0.10%
12 Months 360 to 719 days	0.15%
2 Years 720 to 1,079 days	0.15%
3 Years 1,080 to 1,439 days	0.15%
4 Years 1,440 to 1,799 days	0.15%
5 Years 1,800 to 2,159 days	0.20%
6 Years 2,160 to 2,519 days	0.20%
7 Years 2,520 days	0.20%
$500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends. The amount of early withdrawal penalty for the 48 Month, 60 Month, 72 Month and 84 Month IRA Certificate is 180 days dividends. Balances in excess of $250,000 are not insured by NCUSIF. Early withdrawal penalty could reduce the earnings on the account.

SAVINGS Products
	Minimum Balance Requirement	APY*
Savings	$2.50	0.05%
Holiday Club	None
$0.01 to $5,000		0.25%
Above $5,000		0.00%
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more.

CIMPLE MORTGAGE REFINANCE

Have a mortgage that will grow with you. As you pay down your balance, your ability to borrow will increase, giving you the flexability to use more funds. Whether paying off existing debt or tackling an unexpected home renovation, our Mortgage Refi' Program will allow you to easily draw on the funds you have already paid so you can update your home as you go.

Mortgage Refi' Without All the Closing Costs

No PMI
No Appraisal Fee
No Title Search Fee^*
No Application Fee
No Attorney Fee
No Tax Escrow
No Recording Fee

Plus
Line Of Credit Option
Cash Out Available

It's that cimple.

Apply

'CIMPLE' Mortgage Refi' Line of Credit Rate
'CIMPLE' Mortgage Refi' Loan Rate

The only home product you will need

1. Borrow up to 100% of your home's value and pay it back at any time with no pre-payment penalty.

2. As you pay down your mortgage, your access to credit will increase.

3. Use your line of credit for anything, pay off student debt, finance renovations or even cover vacation expenses.

4. As little as 5 Days to closing & minimum credit score of 660+. Give us a call and let us get you started today!
518.583.2323

A Mortgage that Grows With You

Calculate How Much You Can Borrow (Lesser of $250,000 or 100% of Appraisal)	Estimated Home Value	Estimated Outstanding Mortgage Balance	Estimated Available funds on LOC
Year 1 Take 100% of your home's value, then subtract what you owe on your mortgage.	$250,000	$200,000	$50,000
Year 5 After making $25,000 in mortgage principal payments over 5 years, your mortgage balance drops and your available credit increases.	$250,000	$175,000	$75,000
Year 10 After making $56,000 in mortgage principal payments over 10 years, your mortgage balance drops and your available credit increases.	$250,000	$144,000	$106,000

This example is for illustrative purposes only and based on a line of credit of $250,000. Sample payment based on a $200,000 balance at 4.25% interest rate with a 10 year draw and 25 year amortization is estimated at $1,083. The credit limit on the Mortgage Refi Product will vary depending on individual applicant eligibility and the home value, not to exceed $250,000. Available funds on the line of credit will differ based on payment activity and usage of the line over time.

Mortgage Programs

The credit union offers a full suite of mortgage programs. We look forward to helping with all your mortgage needs.

Other Featured Products

Meet our Mortgage Team

Lisa McCoy

Vice President, Branch Operations
518.583.2323 x123
email
NMLS# 1454285

Paige Carlquist

Branch Manager
518.583.2323 x122
email
NMLS# 1802733

Real Estate Agents

When you partner with us, we meet you on a level playing field and open a world of possibility.

We would love to connect whether on the phone or over a cup of coffee to discuss how we can work together. Plus, take advantage of our FREE programs to help you and your client feel confident with all aspects of the buying and selling process.

Seminars for you and your clients
Office visits with custom presentations, plus breakfast!
Open house visits

	Ready for a consult? We can't wait to meet you! 23 Division Street, Saratoga Springs, NY 12866 444 Geyser Road, Ballston Spa, NY 12020
	Know what you need? Apply online!
	Questions? Speak directly to staff! 518.583.2323

*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. Must be credit qualified. A 1.00% origination fee applies. Geographic Areas: Only properties located in the following counties will be considered: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. Federally insured by NCUA.

CIMPLE MORTGAGE REFINANCE

Mortgage Refi' Without All the Closing Costs

The only home product you will need

A Mortgage that Grows With You

Mortgage Programs

Meet our Mortgage Team

Real Estate Agents

When it's important to you, it's personal to us.

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