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Loan Rates

Our Loan Experts will be happy to answer any questions and provide you with your personalized loan rate.
Contact us at 518-585-6725 or email Member Services to schedule an appointment.

Current Rates: Effective October 1, 2018


Loan Calculators

Mortgage Rates are available through Owner’s Choice Mortgage.

View Deposit Rates on Checking and Savings Accounts

Rates vary based on individual credit history and the term of the loan.

*APR equals Annual Percentage Rate and is subject to credit qualification.

**Membership Eligibility and credit qualification required. This APR (Annual percentage rate) is locked for 12 months and subject to change annually on the anniversary of the loan. To determine the APR we add 3.25% to the one year constant maturity treasury.  Max APR that may be imposed is 16%. Available on owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV).  Appraisal fee required at time of application and refunded at closing. Homeowners insurance required. Member would be responsible for cost of purchasing self-elected owner’s title insurance, any extenuating title issues, and flood insurance (if applicable). APR and terms stated are effective 6/13/2016, and are subject to change at any time.