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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%

Loan Calculator

Savings Calculator


*Other discounts may apply.

Rates | Loan Calculator | Apply Online | Print Application


New & Used Vehicle Loans/Motorcycle Loans
Whether you're looking at new or used, lease buyout, or refinancing a current loan you have elsewhere, check our rates first!

Not sure what you're looking for? If you get pre-approved, we'll lock in your rate for 90 days, giving you plenty of time to shop.


Private Student Loans
If federal funding didn't cover the full cost of your education, we offer Private Student Loans to bridge the gap! Visit our student loan center for more information.


Home Enhancement Loans
Use this to fix up your home without tying up any equity! 

Re-tile your bathroom, add a deck, update your kitchen,

fix your roof, or any other home improvement. This loan is unsecured and funds can be available for you to use within 24 business hours.


Overdraft Line of Credit

Protect your checking account! An Overdraft Line of Credit gives you peace of mind, knowing any payments, checks, or debit card transactions won't be returned or declined. It automatically covers your account when you're short on funds, without doing a transfer yourself.


Savings Secured Loans

Need money but don't want to dip into your savings? Use your savings to secure a loan! We will lend dollar for dollar against any funds you have on deposit. For example, if you have $1,000 in a savings account, we will lend you $1,000 at a VERY low interest rate!


Camper/RV Loans

We will finance up to $100,000 up to a 10 year term.


Home Equity Loans and Lines of Credit
Borrow against the equity you've already built in your home! This is an alternative, affordable way to pay for what you need, when you need it. Available to members who live in Central New York and surrounding areas.


Visit our mortgage center for rates and more information.


Personal Loans

Vacations, weddings, debt consolidation, you name it!


Credit Builder Loan

For those who are just starting out and need to establish credit, or those re-building their credit. The funds from the loan are put into your savings account and a hold is placed on them. As you pay back the loan, the funds will become available for your use. You can borrow up to $2,000.

VISA Credit Cards

Visit our VISA page for more information and to apply for a credit card online.


Check your credit card account online by enrolling at www.myaccountaccess.com. You'll be able to view your transactions, make payments, check your rewards and more!



Skip Your Loan Payment

We offer our members the ability to skip their loan payment once a year. Need some extra money in the summer? Holidays? Just because? You choose the month you want to skip. Complete the form below and submit it before the loan payment due date of the month you choose to skip.


Don't want to apply for a loan online? Print our loan application.

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