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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 12/6/2021. 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 1.25% 1.25%
24 months $500 1.50% 1.50%
36 months $500 1.65% 1.65%
48 months $500 1.80% 1.80%
60 months $500 2.00% 2.00%

Penalty for early withdrawal.

Savings Accounts Learn More

Account Balance required for rate Dividend rate APY
Club Account, Homebuyers Club Account $100 0.05% 0.05%
Lucky Savers $25 0.05% 0.05%
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 0.01% 0.01%
$10,000 to $19,999.99 0.01% 0.01%
$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 0.01% 0.01%
$10,000 to $19,999.99 0.01% 0.01%
$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 0.05% 0.05%
$10,000 to $19,999.99 0.05% 0.05%
$20,000 and over 0.15% 0.15%

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+ 2.99% 3.74% 3.99% 4.24% 4.49%
680 - 739 3.49% 4.24% 4.49% 4.74% 4.99%
640 - 679 4.49% 5.24% 5.49% 5.74% 5.99%
600 - 639 6.99% 7.74% 7.99% 8.24% 8.49%
550 - 599 9.99% 10.24% 10.49% 10.74% 10.99%
549 or less 14.99% 15.24% 15.49% N/A N/A

Autos, boats, motorcycles, etc. model year 2015 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+ 6.99% 7.24% 7.49%
680 - 739 7.49% 7.74% 7.99%
640 - 679 8.49% 8.74% 8.99%
600 - 639 10.99% 11.24% 11.49%
550 - 599 12.99% 13.24% 13.49%
549 or less 17.99% 17.99% 17.99%

Autos, boats, motorcycles, etc. model years 2012, 2013, and 2014. 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+ 5.99% 7.24% 8.24% 9.24%
680 - 739 7.99% 9.24% 10.24% 11.24%
640 - 679 9.99% 11.24% 12.24% 13.24%
600 - 639 11.99% 13.24% 14.24% 15.24%
550 - 599 18.00% 18.00% 18.00% 18.00%
549 or less 18.00% 18.00% 18.00% 18.00%
  • For personal loans, autos 2011 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 5.49-6.49%
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 4.00% 15 years
Maximum 90% Loan to Value with all outstanding liens 4.50% 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.

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