As a Credit Union, we don’t have to pay stockholders. Any profits we make are returned to our members in the form of better rates and new services. Whether you’re looking to save or borrow, let our team help you achieve your best financial life. We’re better together.
Loan RatesEffective March 1, 2018
Annual Percentage Rates (APR) subject to change at any time.
|New Auto Loans3||APR|
|7 Years Minimum Loan $30,000||3.74%|
|Used Auto Loans3 2009 and Newer||APR|
|2 Years Maximum term for 2009-2010 models||3.49%|
|4 Years Maximum term for 2011-2012 models||4.24%|
|Motorcycle Loans3 2009 and Newer||APR|
|2 Year Maximum term for 2009-2010 models||4.25%|
|4 Year Maximum term for 2011-2012 models||4.50%|
|Home Equity No discounts apply|
Available in Central New York and surrounding areas.
We pay $250 of the closing costs!
See estimated closing costs
|Line of Credit - What You Should Know About HELOC||4.50% variable|
CT, DE, FL, NC, NH, NJ, NY, OH, PA, SC, VT
|Visit our Mortgage Center||View rates and more information
|Private Student Loan3||APR|
|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
|Other Loans||1 Yr||2 Yr||3 Yr||4 Yr||5 Yr||6 Yr||7 Yr|
|Overdraft Line of Credit||11.00% variable|
|Credit Builder (details)||3.50%|
|Visa Credit Card||More Information|
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.
Savings RatesEffective March 1, 2018
Annual Percentage Yields (APY) subject to change at any time.
|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%|
Print an application
|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%|
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!