APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 4/1/2023. Fees may reduce earnings.
Deposit Rates
Certificate Shares Learn More
| Term | Balance required for rate | Dividend rate | APY |
| 3 months | $500 | 0.50% | 0.50% |
| 6 months | $500 | 1.00% | 1.00% |
| 12 months | $500 | 1.75% | 1.75% |
| 24 months | $500 | 3.25% | 3.25% |
| 36 months | $500 | 2.25% | 2.25% |
| 48 months | $500 | 2.50% | 2.50% |
| 60 months | $500 | 2.75% | 2.75% |
Penalty for early withdrawal.
Savings Accounts Learn More
| Account | Balance required for rate | Dividend rate | APY |
| Club Account, Homebuyers Club Account | $100 | 0.15% | 0.15% |
| Lucky Savers | $25 | 0.15% | 0.15% |
| Student Credit Union Youth Savings | $1 | 0.15% | 0.15% |
Regular Share Savings Learn More
| Balance required for rate | Dividend rate | APY |
| $5 to $9,999.99 | 0.05% | 0.05% |
| $10,000 to $19,999.99 | 0.05% | 0.05% |
| $20,000 and over | 0.05% | 0.05% |
Kasasa Saver
If qualifications* met:
| Balance required for rate | Dividend rate | APY |
| $100,000.00 and below | 1.50% | 1.50% |
| $100,000.01 or greater | 0.10% to 0.10% | 0.10% to 0.10% |
If qualifications* NOT met:
| Balance required for rate | Dividend rate | APY |
| Any dollar amount | 0.05% | 0.05% |
Checking/Share Draft Learn More
| Balance required for rate | Dividend rate | APY |
| $5 to $9,999.99 | 0.05% | 0.05% |
| $10,000 to $19,999.99 | 0.05% | 0.05% |
| $20,000 and over | 0.05% | 0.05% |
Kasasa Cash
If qualifications* met:
| Balance required for rate | Dividend rate | APY |
| $20,000.00 and below | 3.00% | 3.00% |
| $20,000.01 or greater | 0.10% to 0.10% | 0.10% to 0.10% |
If qualifications* NOT met:
| Balance required for rate | Dividend rate | APY |
| Any dollar amount | 0.05% | 0.05% |
IRA Savings Learn More
| Balance required for rate | Dividend rate | APY |
| $5 to $9,999.99 | 0.75% | 0.75% |
| $10,000 to $19,999.99 | 0.75% | 0.75% |
| $20,000 and over | 0.75% | 0.75% |
Individual Retirement Account funds (IRAs) and Simplified Employee Pensions (SEPs) may be invested in IRA/SEP savings or any Share Certificate. We accept rollover IRAs from other institutions. IRA terms are described in Custodial Agreement.
Loan Rates
Newer Auto and Other Secured Loans* Learn More
| Credit score | Up to 36 months APR | Up to 48 months APR | 60 months APR | 72 months APR | 84 months APR |
| 740+ | 5.240% | 5.490% | 5.990% | 6.990% | 7.740% |
| 680 - 739 | 5.990% | 6.240% | 6.740% | 7.740% | 8.490% |
| 640 - 679 | 6.990% | 7.240% | 7.740% | 8.740% | 9.490% |
| 600 - 639 | 8.240% | 8.490% | 8.990% | 9.990% | 10.740% |
| 550 - 599 | 9.990% | 10.240% | 10.740% | 11.740% | 12.490% |
| 549 or less | 12.990% | 13.240% | 13.740% | 14.740% | N/A |
Autos, boats, motorcycles, etc. model year 2016 and newer. Loan maximum: $65,000.
72 month loan terms are limited to loans of $20,000 or greater, on vehicles up to eight model years old. 84 month loan terms are limited to loans of $20,000 or greater, on vehicles up to four model years old.
*All loans subject to approval.
Older Auto and Other Secured Loans* Learn More
| Credit Score | Up to 36 months APR | Up to 48 months APR | Up to 60 months APR |
| 740+ | 9.240% | 9.490% | 9.740% |
| 680 - 739 | 9.740% | 9.990% | 10.240% |
| 640 - 679 | 10.740% | 10.990% | 11.240% |
| 600 - 639 | 12.240% | 13.490% | 13.740% |
| 550 - 599 | 13.240% | 13.740% | 13.990% |
| 549 or less | 15.990% | 15.990% | 15.990% |
Autos, boats, motorcycles, etc. model years 2013, 2014, and 2015. Loan maximum: $25,000
72 month loan terms are limited to loans of $20,000 or greater, on vehicles up to eight model years old. 84 month loan terms are limited to loans of $20,000 or greater, on vehicles up to four model years old.
- 0.25% discount for automatic payment
- Autos, boats and motorcycles must be registered in Upstate New York.
*All loans subject to approval.
Signature Loans* Learn More
| Credit Score | 12 months APR | 24 months APR | 36 months APR | 48-60 months APR |
| 740+ | 8.240% | 9.490% | 10.490% | 11.490% |
| 680 - 739 | 10.240% | 11.490% | 12.490% | 13.490% |
| 640 - 679 | 12.240% | 13.490% | 14.490% | 15.490% |
| 600 - 639 | 13.990% | 15.240% | 15.490% | 15.740% |
| 550 - 599 | 16.00% | 16.00% | 16.00% | 16.00% |
| 549 or less | 16.00% | 16.00% | 16.00% | 16.00% |
- For personal loans, autos 2012 and older, computers, short-term, etc.
- 0.25% discount for automatic payment
- Autos, boats and motorcycles must be registered in Upstate New York.
*All loans subject to approval.
Other Loans*
| Loan description | Term | APR |
| Back on Track Loan For emergency needs. Documentation required. Maximum loan $4,000.00 |
Up to 48 months | 8.00% |
| Energy Efficiency/Solar Loan For energy efficiency improvements to your primary residence. Maximum loan $25,000. |
up to 15 years | See Second Mortgages |
| Line of Credit No annual fee. With or without Alternatives VISA Debit Card. |
Revolving | 14.25% |
| Share Secured Loan An equal amount to the amount borrowed is placed in a Share Certificate and loan rate is 2.00% above what the shares are earning. |
Up to 60 months | Varies |
*All loans subject to approval.
Fixed Rate Mortgages* Learn More
For questions regarding our current rates, please contact us at [email protected]
| Term | Rate / APR |
| 30 year | Rate subject to change |
| 20 year | Rate subject to change |
| 15 year | Rate subject to change |
| 10 year | Rate subject to change |
*All loans subject to approval.
Adjustable Rate Mortgages*
| Type | Term | ||
| 5/5 | 15 - 30 years |
Adjustable rate mortgages are available with no closing costs; rate is .375% higher than above rates.
*All loans subject to approval.
Second Mortgages*
| Type | Rate | Term |
| Home Equity Line of Credit | Adjustable | 1 year |
| Maximum 80% Loan to Value with all outstanding liens | 8.50% | 15 years |
| Maximum 90% Loan to Value with all outstanding liens | 8.50% | 15 years |
| Fixed Rate Home Equity Maximum 90% Loan to Value with all outstanding liens |
5.00% | 15 year max |
*All loans subject to approval.
Truth-in-Savings Disclosures:
