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Loan Rates & Dividend Rates
Rates in effect as of December 1, 2009. Rates are subject to change daily. Call Main Office 877-9474, Branch Office at 622-9898 or 1-800-946-2463 for further information.

New Vehicle Rates
 100% Financing - Term depends on value of vehicle.
 

Terms

APR*
As Low As

 Calculator - Auto Loan
 NADA Book Value

 

 

72 mos.
60 mos.
48 mos.
36 mos.

5.25%
4.99%
4.50%
4.50%
Used Vehicle Rates
100% Financing on ALL USED VEHICLES. Term Depends on value.

Terms

APR*
As Low As




 

72 mos.
60 mos.
48 mos.
36 mos.

6.00%
5.50%
5.49%
5.49%
*Annual Percentage Rate
Personal Loans/Unsecured
0-12 mos. as low as 8.75% APR*, 13-24 mos. - 9.00% APR*, 25-36 mos. as low as 9.25% APR*, 37-48 mos. as low as 9.50% APR*.
Recreational Loans
New: 0-36 mos. - as low as 5.75%, APR* 37-48 mos. as low as 6.00% APR*,  49-60 mos. as low as 6.25% APR*,  61-72 mos. as low as 6.50% APR*., 72-120 MOS. 9.00 APR*.
Home Equity Line of Credit
Variable Rate** (Currently at 3.25% APR*.)  ** Rate based on the New York Prime. (Min. Rate 3.00 APR*.)  Rate adjusted quarterly on Jan., Apr., Jul., and Oct. 1st.

MasterCard® Credit Card
 9.90% APR*.  Fixed Rate - No Annual Fee. Click for more information and a printable application.

Current Dividend  Rates
Rates in effect as of: March 25,2009.  Rates are subject to change daily. Call Main Office at 877-9474, Branch Office at 622-9898 or 1-800-946-2463 for further information.

Product

Rate

APY**

Share
(Savings)

.25%

.25%

Clubs

.25%

.25%

IRA's

.50%

.50%

Share Certificate 
6 month
$500 minimum

1.00%

1.01%

Share Certificate 
12 month
$500 minimum

1.25%

1.26%

Share Certificate 
18 month
$1,000 minimum

1.25%

1.26%

Share Certificate 
24 month
$1,000
minimum

 

1.50%

 

1.51%

Share Certificate 
36 month
$1,000
minimum

 

2.00%

 

 

2.02%

 
     

**Annual Percentage Yield