Skip to content

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 10/30/2023. Fees may reduce earnings.

Deposit Rates

Certificate Shares Learn More

Term Balance required for rate Dividend rate APY
3 months $500 2.00% 2.02%
6 months $500 3.00% 3.04%
12 months $500 4.00% 4.08%
24 months $500 4.00% 4.08%
36 months $500 4.00% 4.07%
48 months $500 4.00% 4.07%
60 months $500 4.00% 4.07%

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+ 5.990% 6.240% 6.740% 7.740% 8.490%
680 - 739 6.740% 6.990% 7.490% 8.490% 9.240%
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 2017 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+ 9.990% 10.240% 10.490%
680 - 739 10.490% 10.740% 10.990%
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 2014, 2015, and 2016. 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+ 8.990% 10.240% 11.240% 12.240%
680 - 739 10.990% 12.240% 13.240% 14.240%
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 2013 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 expenses such as medical, dental, veterinary or car repairs. Documentation required. Maximum loan $4,000.00

Up to 48 months 8.00%
Score Builder
Maximum loan $2,500.00. An equal amount to the borrowed is placed in a share certificate and loan rate is 2.000% above what the shares are earning.
up to 24 months +2.00%
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 +2.00%

*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
7.00% 15 year max

*All loans subject to approval.

Become a member

Make a choice for a more economically just community.

Join now

Apply for a loan

Get affordable financing for almost any need.

Get started