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Current Rates

Auto Loans (as low as)
APR: 1.49%

Money Market (as high as)
APY: 0.25%

Term Share Certificates

(as high as)
Rate 1.25% APY: 1.26%

Loan Calculator

Savings Calculator


Loan Rates  (scroll down for savings rates) 
Effective September 1, 2014

Annual Percentage Rates (APR) subject to change at any time.

Loan Calculator | Apply Online | Print Loan Application

ROYAL MEMBERS
get extra incentives on loan rates! If you have had an account with us for at least three years and have three or more products beyond a regular savings, consider yourself Royal and deduct .25% from any fixed rate loan! 


New Auto Loans3 2014 MODEL YEAR

APR

1 Year 1.49%
2 Year 1.49%
3 Year 1.49%
4 Year 1.99%
5 Year 1.99%
6 Year   1.99%
Used Auto Loans3 2005-2013 MODEL YEARS  
1 Year

1.49%

2 Year 1.49%
3 Year 1.49%
4 Year 1.99%
5 Year 1.99%
6 Year  2009-2013 only 1.99%
Motorcycle Loans3 2005-2014 MODEL YEARS  
1 Year 3.75%
2 Year 3.75%
3 Year 4.00%
4 Year 4.00%
5 Year 4.25%
6 Year  2009-2014 only 4.75%
Camper/RV3  
1 - 10 year terms View rates

Home Equity

Available in Central New York and surrounding areas.

We pay $250 of the closing costs!

See estimated closing costs

 
Loan (Fixed rate) No discounts apply 4.25%
Line of Credit - What You Should Know About HELOC 4.50%
Mortgages  
Contact our CUC Mortgage representative Debbie Miller at (315) 437-8614 or deborah.miller@cucmortgage.com

View rates and more information

Available in NY, NJ, CT, VT, PA and NH

Private Student Loan  
Intended to fill the funding gap federal aid can leave. A certified private student loan is a line of credit for undergraduate education, allowing you to apply just once, then make multiple draws over the course of your education.

6.25%

More information

Other Loans  
1 Year 2 Years 3 Years 4 Years 5 Years

Home Improvement3 No discounts apply. Must be homeowner.

4.75% 4.75% 4.75% 4.75% 4.75%
Savings Secured 1.50% 1.50% 1.50% 1.75% 2.00%
Personal (Unsecured)3 8.50% 8.75% 9.25% 9.75% 10.00%
Overdraft Line of Credit 9.75%
Credit Builder (details) 3.25%
Visa Credit Card More Information

Savings Rates
Effective September 1, 2014
Annual Percentage Yields (APY) subject to change at any time.

Savings Calculator

ROYAL MEMBERS get extra incentives on Term Share Certificate rates! If you have had an account with us for at least three years and have three or more products beyond a regular savings, consider yourself Royal and add .25% to any Term Share Certificate rate!

Savings Accounts1 Rate APY
Regular Share Savings - open online! 0.10% 0.10%
Holiday, Vacation and U-Name It Savings 0.10% 0.10%
Teen and Kids Savings 0.10% 0.10%
MONEY Market Savings $2,500 - $9,999 0.15% 0.15%
MONEY Market Savings $10,000 - $24,999 0.15% 0.15%
MONEY Market Savings $25,000 - $74,999 0.20% 0.20%
MONEY Market Savings $75,000 and above 0.25% 0.25%

Term Share Certificate2

Print an application

Rate APY
3 Months 0.15% 0.15%
6 Months 0.20% 0.20%
9 Months 0.20% 0.20%
12 Months 0.30% 0.30%
15 Months 0.30% 0.30%
18 Months 0.35% 0.35%
24 Months 0.50% 0.50%
36 Months 0.75% 0.75%
48 Months 1.00% 1.01%
60 Months 1.25% 1.26%
Individual Retirement Account (IRA) Rate APY
IRA Savings (Traditional, Roth & Coverdell ESA) 0.15% 0.15%
12 Month IRA Term Share Certificate 0.30% 0.30%
24 Month IRA Term Share Certificate 0.50% 0.50%
36 Month IRA Term Share Certificate 0.75% 0.75%
48 Month IRA Term Share Certificate 1.00% 1.01%
60 Month IRA Term Share Certificate 1.25% 1.26%

1 Minimum balance to earn dividends in regular savings: $100; club (Holiday, Vacation, U-Name It, Teen and Kids Club) $0; MONEY Market: $2,500.

2 Fixed rate - early withdrawal penalty may apply - fees may reduce earnings. $500 minimum deposit.

3 Annual Percentage Rate (APR) subject to change after review of credit report. Credit score determines rate. Maximum terms for auto and motorcycle loans: 2 years for 2005-2006, 4 years for 2007-2008, 6 years for 2009-2013. Maximum terms for RV loan: 3 years for 2005-2006, 5 years for 2007-2008, 7 years for 2009-2013.


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