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, 2021
Annual Percentage Rates (APR) subject to change at any time.
New Auto Loans3*APR
1 Year2.74%
2 Years2.74%
3 Years2.74%
4 Years2.99%
5 Years3.24%
6 Years3.49%
7 Years Minimum Loan $30,0003.99%
Used Auto Loans3* 2012 and NewerAPR
1 Year2.99%
2 Years Maximum term for 2012-2013 models2.99%
3 Years3.24%
4 Years Maximum term for 2014-2015 models3.49%
5 Years3.74%
6 Years3.99%
Motorcycle Loans3* 2012 and NewerAPR
1 Year4.00%
2 Year Maximum term for 2012-2013 models4.00%
3 Year4.25%
4 Year Maximum term for 2014-2015 models4.25%
5 Year4.50%
6 Year5.00%
Home Equity
Available in Central New York and surrounding areas.
See estimated closing costs
Loan10 year 3.49%
5 year 2.49%
Line of Credit - What You Should Know About HELOC4.50% variable
Available in:
Visit our Mortgage CenterView rates
Undergraduate Student Loan5as low as
4.25% APR
More information
Student Consolidation Loan 5*as low as
3.24% APR
More information
Other Loans1 Yr2 Yr3 Yr4 Yr5 Yr
Holiday Loan2.99%NANANANA
Home Enhancement4*5.99%5.99%5.99%5.99%5.99%
Savings Secured1.50%1.80%1.90%2.00%2.10%
Debt Consolidation3*8.50%8.75%9.00%9.25%NA
Overdraft Line of Credit9.75% variable
Camper/RVView Rates
Credit Builder1.99%
Credit CardsMore Information

Get pre-approved for an auto loan and increase your negotiating power at the dealer.


Lock in your rate for 90 days while you shop. If rates go up, you’re locked in. If rates go down, we give you the lower one!

Savings Rates

Effective January 1, 2021
Annual Percentage Yields (APY) subject to change at any time.
Savings Accounts1RateAPY
Regular Savings0.05%0.05%
Holiday, Vacation and U-Name It Savings0.05%0.05%
Teen and Kids Savings0.05%0.05%
Money Market Savings $2,500 - $9,9990.05%0.05%
Money Market Savings $10,000 - $24,9990.10%0.10%
Money Market Savings $25,000 - $99,9990.15%0.15%
Money Market Savings $100,000 and above0.20%0.20%
Print an application
3 Month0.10%0.10%
6 Month0.15%0.15%
9 Month0.20%0.20%
12 Month0.25%0.25%
15 Month0.30%0.30%
18 Month0.30%0.30%
24 Month0.30%0.30%
36 Month0.35%0.35%
48 Month0.40%0.40%
60 Month0.45%0.45%
Individual Retirement Account (IRA) More information on IRAsRateAPY
IRA Savings (Traditional, Roth & Coverdell ESA)0.05%0.05%
12 Month Certificate 0.25%0.25%
24 Month IRA Certificate0.30%0.30%
36 Month IRA Certificate0.35%0.35%
48 Month IRA Certificate0.40%0.40%
60 Month IRA Certificate0.45%0.45%

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. Programs, rates, terms, and conditions may change at any time without notice. *Rate shown includes 0.25% automatic payment discount. (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 and maximum loan amount. Must be a homeowner. (5) Undergraduate loan is variable rate based on Prime and credit score. Consolidation loan is fixed rate based on credit score and term.

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