Rates
Our not-for-profit credit union serves members, not stockholders. Earnings after operating expenses allow our members to benefit from higher savings rates and lower loan rates, plus new products and services. Saving, borrowing, and more are all available through our team of financial experts. Join us today.
Loan Rates
Effective January 1, 2020Annual Percentage Rates (APR) subject to change at any time.
| New Auto Loans3 | APR |
|---|---|
| 1 Year | 3.24% |
| 2 Years | 3.24% |
| 3 Years | 3.24% |
| 4 Years | 3.49% |
| 5 Years | 3.74% |
| 6 Years | 3.99% |
| 7 Years Minimum Loan $30,000 | 4.24% |
| Used Auto Loans3 2011 and Newer | APR |
|---|---|
| 1 Year | 3.74% |
| 2 Years Maximum term for 2011-2012 models | 3.74% |
| 3 Years | 3.74% |
| 4 Years Maximum term for 2013-2014 models | 4.24% |
| 5 Years | 4.24% |
| 6 Years | 4.74% |
| Motorcycle Loans3 2009 and Newer | APR |
|---|---|
| 1 Year | 4.75% |
| 2 Year Maximum term for 2010-2011 models | 4.75% |
| 3 Year | 5.00% |
| 4 Year Maximum term for 2012-2013 models | 5.00% |
| 5 Year | 5.25% |
| 6 Year | 5.75% |
| Home Equity No discounts apply Available in Central New York and surrounding areas. We pay $250 of the closing costs! See estimated closing costs | APR |
|---|---|
| Loan | 4.25% fixed |
| Line of Credit - What You Should Know About HELOC | 4.50% variable |
| Mortgages Available in: CT, DE, FL, NC, NH, NJ, NY, OH, PA, SC, VT | APR |
|---|---|
| Visit our Mortgage Center | View rates |
| Undergraduate Student Loan3 | as low as 5.74% APR More information |
| Student Loan Refinancing3 | as low as 3.74% APR More information |
| Other Loans | 1 Yr | 2 Yr | 3 Yr | 4 Yr | 5 Yr | 6 Yr | 7 Yr |
|---|---|---|---|---|---|---|---|
| Home Enhancement4 | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% | 7.50% | 8.00% |
| U-Name-It3 | 7.50% | 7.50% | 7.50% | 7.75% | 8.00% | NA | NA |
| Savings Secured | 2.00% | 2.30% | 2.40% | 2.50% | 2.60% | NA | NA |
| Debt Consolidation3 | 9.25% | 9.50% | 9.75% | 10.00% | NA | NA | |
| Overdraft Line of Credit | 11.25% variable | ||||||
| Camper/RV | View Rates | ||||||
| Credit Builder | 4.25% | ||||||
| Credit Cards | More Information | ||||||
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.
Savings Rates
Effective January 1, 2020Annual Percentage Yields (APY) subject to change at any time.
| Savings Accounts1 | Rate | APY |
|---|---|---|
| Regular Savings | 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 | 0.30% | 0.30% |
| MONEY Market Savings $10,000 - $24,999 | 0.40% | 0.40% |
| MONEY Market Savings $25,000 - $99,999 | 0.50% | 0.50% |
| MONEY Market Savings $100,000 and above | 0.65% | 0.65% |
| Certificates2 Print an application | Rate | APY |
|---|---|---|
| 3 Month | 0.40% | 0.40% |
| 6 Month | 0.70% | 0.70% |
| 9 Month | 0.70% | 0.70% |
| 12 Month | 1.00% | 1.01% |
| 15 Month | 1.00% | 1.01% |
| 18 Month | 1.20% | 1.21% |
| 24 Month | 1.30% | 1.31% |
| 36 Month | 1.40% | 1.41% |
| 48 Month | 1.50% | 1.51% |
| 60 Month | 1.60% | 1.61% |
| Individual Retirement Account (IRA) | Rate | APY |
|---|---|---|
| IRA Savings (Traditional, Roth & Coverdell ESA) | 0.10% | 0.10% |
| 12 Month Certificate | 1.00% | 1.01% |
| 24 Month IRA Certificate | 1.30% | 1.31% |
| 36 Month IRA Certificate | 1.40% | 1.41% |
| 48 Month IRA Certificate | 1.50% | 1.51% |
| 60 Month IRA Certificate | 1.60% | 1.61% |
Want to open a new savings account or certificate? You can open one online through our secure application process. Click one of the links below to get started!
NOT RESPONSIBLE FOR TYPOGRAPHICAL ERRORS. (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. (4)Credit score determines rate. Must be a homeowner. 6 and 7 year terms available for credit-qualified applicants borrowing over $20,000 with a maximum of $30,000. Pool loan maximum amount is $20,000.