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Current Rates

Auto Loans (as low as)
APR: 2.49%*

Money Market (as high as)
APY: 0.75%

Term Share Certificates

(as high as)
Rate 1.75% APY: 1.76%

Loan Calculator

Savings Calculator

 

*Other discounts may apply.

Loan Rates  (scroll down for savings rates) 
Effective September 1, 2017

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

Loan Calculator | Apply Online | Print Loan Application

ROYAL MEMBERS DISCOUNT
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 TAKE 0.25% OFF any fixed rate loan! 

AUTOMATIC PAYMENT DISCOUNT Take 0.25% OFF your rate if you opt to pay your loan automatically with an ACH automatic payment.

Excludes home equity, mortgages, overdraft line of credit, credit builder, savings secured, and credit cards.


New Auto Loans3 2017-2018

APR

1 Year 2.49%
2 Year 2.49%
3 Year 2.49%
4 Year 2.99%
5 Year 2.99%
6 Year   3.24%
7 Year 3.49%
Used Auto Loans3 2008-2017  
1 Year 2.99%
2 Year 2.99%
3 Year 2.99%
4 Year 3.74%
5 Year 3.74%
6 Year 4.24%
Motorcycle Loans3 2008-2017  
1 Year 4.25%
2 Year 4.25%
3 Year 4.50%
4 Year 4.50%
5 Year 4.75%
6 Year  2012-2017 only 5.25%
Camper/RV3  
1 - 10 year terms View rates

Home Equity No discounts apply

Available in Central New York and surrounding areas.

We pay $250 of the closing costs!

See estimated closing costs

 
Loan 4.25% fixed
Line of Credit - What You Should Know About HELOC 4.50% variable
Mortgages  
Visit our Mortgage Center

View rates and more information

Available in:

CT, DE, FL, NC, NH, NJ, NY, OH, PA, SC, VT

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.

as low as

7.00%

More information

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

Home Enhancement4

5.50% 5.50% 5.50% 5.50% 5.50%
U-Name-It5 7.25% 7.25% 7.25% 7.25% 7.25%
Savings Secured 1.75% 1.75% 1.75% 2.00% 2.25%
Debt Consolidation5 8.50% 8.75% 9.25% NA NA
Overdraft Line of Credit 10.75%
Credit Builder (details) 3.50%
Visa Credit Card More Information

Savings Rates
Effective September 1, 2017
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 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 0.25% 0.25%
MONEY Market Savings $25,000 - $74,999 0.50% 0.50%
MONEY Market Savings $75,000 and above 0.75% 0.75%

Certificates2

Print an application

Rate APY
3 Month 0.15% 0.15%
6 Month 0.25% 0.25%
9 Month 0.30% 0.30%
12 Month 0.50% 0.50%
15 Month 0.50% 0.50%
18 Month 0.75% 0.75%
24 Month 1.00% 1.01%
36 Month 1.25% 1.26%
48 Month 1.50% 1.51%
60 Month 1.75% 1.76%
Individual Retirement Account (IRA) Rate APY
IRA Savings (Traditional, Roth & Coverdell ESA) 0.15% 0.15%

12 Month Certificate 

 

0.50% 0.50%
24 Month IRA Certificate

 

1.00% 1.01%
36 Month IRA Certificate 1.25% 1.26%
48 Month IRA Certificate 1.50% 1.51%
60 Month IRA Certificate 1.75% 1.76%

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 Credit score determines rate. Maximum terms for auto and motorcycle loans: 2 years for 2008-2009, 4 years for 2010-2011, 6 years for 2012-2016. Minimum amount for 7 year auto loan is $30,000. Maximum terms for RV loan: 3 years for 2008-2009, 5 years for 2010-2011, 7 years for 2012-2016. 4 Credit score determines rate. Must be a homeowner. Eligible for ACH discount only. 5Credit score determines rate. Other rate discounts may apply.

(315) 671-4000  Routing Number: 221382031
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