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Current Rates

Auto Loans (as low as)
APR: 2.74%*

Money Market (as high as)
APY: 0.75%

Term Share Certificates

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

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*Other discounts may apply.


Finance Your Home Project!

Planning to do some work on your home? Our Home Enhancement Loan can make your dreams a reality! Whether you're getting a new pool, fixing the roof, or waterproofing the basement, our loan will cover any home improvement.

What is a Home Enhancement Loan?

This loan is unsecured and does not require using the equity in your home.

  • No equity required (NOT a home equity loan)
  • Funds available in 1 business day
  • No closing costs or appraisal requirements
  • Rates as low as 6.75% APR*
  • Terms from 1-7 years*
  • Borrow up to $20,000

What is the Benefit?

A Home Enhancement Loan is great for recent buyers who want to do some upgrades, but don't have much equity in their home yet. It's also perfect for those who don't want to use the equity in their home. This loan has a fast turnaround time to get your projects started sooner!



What is the Process?

Submit the Loan Application --> If you know what work you plan to do, start by applying for the loan. Enter the maximum amount you think you might need.


Application is Reviewed ---> A loan specialist will review your application and get back to you within 1 business day. We will ask for verification of income (recent paystub, bank statement, benefit letter, etc.) and a copy of your photo ID.


Provide a Work Estimate ---> Once the application is approved, we will ask for an estimate of the work being done. The company or vendor you're using should be able to provide you with this.


Have more questions? Simply call us at (315) 671-4000 Monday through Friday, 9am-4pm, or chat with us by clicking the link on the left (M-F 9am-3pm).

*Credit score determines rate. 0.25% Automatic Payment discount may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Term of up to 60 months; estimated monthly payment of $19.00 per $1,000.00 borrowed. Must be a homeowner. 6 and 7 year terms available for qualified buyers borrowing over $20,000; maximum amount of $25,000.

(315) 671-4000  Routing Number: 221382031
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