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 or Used Auto Loans3 2008-2017 MODEL YEARS
|6 Year 2012-2017 only||2.99%|
|7 Year New only - minimum loan amount $30,000||3.25%|
|Motorcycle Loans3 2008-2017 MODEL YEARS|
|6 Year 2012-2017 only||5.25%|
|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!
|Line of Credit - What You Should Know About HELOC||4.50% variable|
|Visit our Mortgage Center||
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
|1 Year||2 Years||3 Years||4 Years||5 Years|
|Overdraft Line of Credit||10.75%|
|Credit Builder (details)||3.50%|
|Visa Credit Card||More Information|
Effective July 1, 2017
Annual Percentage Yields (APY) subject to change at any time.
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!
|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%|
|Individual Retirement Account (IRA)||Rate||APY|
|IRA Savings (Traditional, Roth & Coverdell ESA)||0.15%||0.15%|
12 Month Certificate
|24 Month IRA Certificate
|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. 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.