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 Rates

Effective March 1, 2018
Annual Percentage Rates (APR) subject to change at any time.
New Auto Loans3APR
1 Year2.74%
2 Years2.74%
3 Years2.74%
4 Years3.24%
5 Years3.24%
6 Years3.49%
7 Years Minimum Loan $30,0003.74%
Used Auto Loans3 2009 and NewerAPR
1 Year3.49%
2 Years Maximum term for 2009-2010 models3.49%
3 Years3.49%
4 Years Maximum term for 2011-2012 models4.24%
5 Years4.24%
6 Years4.74%
Motorcycle Loans3 2009 and NewerAPR
1 Year4.25%
2 Year Maximum term for 2009-2010 models4.25%
3 Year4.50%
4 Year Maximum term for 2011-2012 models4.50%
5 Year4.75%
6 Year5.25%
Home Equity No discounts apply
Available in Central New York and surrounding areas.
We pay $250 of the closing costs!
See estimated closing costs
Loan4.25% fixed
Line of Credit - What You Should Know About HELOC4.50% variable
Available in:
Visit our Mortgage CenterView rates and more information
Private Student Loan3APR
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
More information
Other Loans1 Yr2 Yr3 Yr4 Yr5 Yr6 Yr7 Yr
Home Enhancement46.75%6.75%6.75%7.00%7.00%7.50%8.00%
Savings Secured1.75%1.75%1.75%2.00%2.25%NANA
Debt Consolidation39.25%9.50%9.75%10.00%NANA
Overdraft Line of Credit11.00% variable
Camper/RVView Rates
Credit Builder (details)3.50%
Visa Credit CardMore 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 Rates

Effective March 1, 2018
Annual Percentage Yields (APY) subject to change at any time.
Savings Accounts1RateAPY
Regular Savings0.10%0.10%
Holiday, Vacation and U-Name It Savings0.10%0.10%
Teen and Kids Savings0.10%0.10%
MONEY Market Savings $2,500 - $9,9990.15%0.15%
MONEY Market Savings $10,000 - $24,9990.25%0.25%
MONEY Market Savings $25,000 - $74,9990.50%0.50%
MONEY Market Savings $75,000 and above0.75%0.75%
Print an application
3 Month0.15%0.15%
6 Month0.25%0.25%
9 Month1.00%*1.01%*
12 Month0.50%0.50%
15 Month0.50%0.50%
18 Month0.75%0.75%
24 Month1.00%1.01%
36 Month1.25%1.26%
48 Month1.50%1.51%
60 Month1.75%1.76%
Individual Retirement Account (IRA)RateAPY
IRA Savings (Traditional, Roth & Coverdell ESA)0.15%0.15%
12 Month Certificate 0.50%0.50%
24 Month IRA Certificate1.00%1.01%
36 Month IRA Certificate1.25%1.26%
48 Month IRA Certificate1.50%1.51%
60 Month IRA Certificate1.75%1.76%

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!

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. ACH discount only. 6 and 7 year terms available for qualified applicants borrowing over $20,000 with a maximum of $25,000.

*Certificate promotion details: Not eligible for Royalty. APY= Annual Percentage Yield. Programs, rates, terms, and conditions subject to change without notice. $500 minimum deposit to open a certificate. Early withdrawal penalties may apply and reduce earnings. Good through March 31, 2018.

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