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, 2020
Annual Percentage Rates (APR) subject to change at any time.
New Auto Loans3APR
1 Year3.24%
2 Years3.24%
3 Years3.24%
4 Years3.49%
5 Years3.74%
6 Years3.99%
7 Years Minimum Loan $30,0004.24%
Used Auto Loans3 2011 and NewerAPR
1 Year3.74%
2 Years Maximum term for 2011-2012 models3.74%
3 Years3.74%
4 Years Maximum term for 2013-2014 models4.24%
5 Years4.24%
6 Years4.74%
Motorcycle Loans3 2011 and NewerAPR
1 Year4.75%
2 Year Maximum term for 2011-2012 models4.75%
3 Year5.00%
4 Year Maximum term for 2013-2014 models5.00%
5 Year5.25%
6 Year5.75%
Home Equity No discounts apply
Available in Central New York and surrounding areas.
We pay $250 of the closing costs!
See estimated closing costs
Loan4.25% fixed
Line of Credit - What You Should Know About HELOC4.50% variable
Available in:
Visit our Mortgage CenterView rates
Undergraduate Student Loan3as low as
5.74% APR
More information
Student Loan Refinancing3as low as
3.74% APR
More information
Other Loans1 Yr2 Yr3 Yr4 Yr5 Yr
Home Enhancement46.75%6.75%6.75%6.75%6.75%
Savings Secured2.00%2.30%2.40%2.50%2.60%
Debt Consolidation39.25%9.50%9.75%10.00%NA
Overdraft Line of Credit11.25% variable
Camper/RVView Rates
Credit Builder4.25%
Credit CardsMore 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, 2020
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 - $9,9990.30%0.30%
MONEY Market Savings $10,000 - $24,9990.40%0.40%
MONEY Market Savings $25,000 - $99,9990.50%0.50%
MONEY Market Savings $100,000 and above0.65%0.65%
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3 Month0.40%0.40%
6 Month0.70%0.70%
9 Month0.70%0.70%
12 Month1.00%1.01%
15 Month1.00%1.01%
18 Month1.20%1.21%
24 Month1.30%1.31%
36 Month1.40%1.41%
48 Month1.50%1.51%
60 Month1.60%1.61%
Individual Retirement Account (IRA)RateAPY
IRA Savings (Traditional, Roth & Coverdell ESA)0.10%0.10%
12 Month Certificate 1.00%1.01%
24 Month IRA Certificate1.30%1.31%
36 Month IRA Certificate1.40%1.41%
48 Month IRA Certificate1.50%1.51%
60 Month IRA Certificate1.60%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.

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