menu

Rates

Auto Loans

Term APR*
Up to 36 months As low as 2.24%
Up to 48 months As low as 2.50%
Up to 60 months As low as 2.74%
Up to 72 months As low as 3.74%
Up to 84 months As low as 4.00%

*APR = Annual Percentage Rate. Rate determined by term and individual credit history.

Consumer Loans

Product Term APR
Secured Loans Approximate terms of up to 84 months Contact us for current rates
Personal Loans Approximate terms of up to 60 months 9.25% to 18.00% Based on Personalized Loan Rates*
VISA Classic Credit Card Payment = 2.6% of balance 14.0%

*Rates vary depending on individual credit history and term of loan.

Camper & RV Loans

Term APR*
up to 36 months as low as 4.49%
up to 48 months as low as 4.75%
up to 60 months as low as 4.99%

*APR = Annual Percentage Rate. Rate determined by term and individual credit history.
Recreational Vehicles include Motorcycles, Tractors, ATVs and Snowmobiles.

Boat/ATV/Personal Watercraft Loans

Term APR*
up to 36 months as low as 4.49%
up to 48 months as low as 4.75%
up to 60 months as low as 4.99%
up to 72 months as low as 5.99%
up to 120 months as low as 6.25%**
up to 180 months as low as 6.51%***

*APR = Annual Percentage Rate. Rate determined by term and individual credit history.
**73-120 Months Term requires $15,000 minimum.
***121-180 Month Term requires $25,000 minimum.

Home Loans

Product Term APR
Home Equity Loan Various rates and terms are available Please contact us for more information
Home Equity Line of Credit 1-Year Introductory Rate 2.99% APR*
Mortgage Loans Various rates and terms are available Please contact us for more information

Motorcycle Loans

Term APR*
Up to 36 months As low as 4.49%

Savings

Account   Minimum Balance Dividend Rate APY
Regular Savings (01) 5.00 to open account, $100.00 ADB* to earn dividend .05% .05%
Holiday Club (11) $0.00 to open $100.00 ADB to earn dividends .05% .05%
Savings Safari Club (03) $5.00 to open, $5.00 ADB to earn dividends .05% .05%
Special Savings (05) $0.00 to open, $100.00 ADB to earn dividends .05% .05%
Escrow Savings (06,07) $0.00 to open, $100.00 ADB to earn dividends .05% .05%
Take Advantage (77) $2,500.00 .10% .10%
IRA Savings (81,41,91) $5.00 to open, $100.00 for dividends .05% .05%
Business Savings (02) $5.00 to open, $750.00 ADB to earn dividends .05% .05%

This rate schedule states rates applicable to specified accounts. For complete account requirements and transaction limitations please refer to our Truth-In-Savings brochure and schedule of fees, or contact our office at 518-585-6725. Dividends are credited to your account and compounded monthly. Savings rates are variable, meaning that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors. (*ADB refers to average daily balance) Earnings may be reduced by fees.

Checking

Account Name   Minimum Balance Dividend Rate APY
Freedom (74) No minimum balance N/A N/A
Freedom Student No minimum balance N/A N/A
Advantage (75) $100.00 to open, $400.00 ADB to earn dividends .05% .05%
Prestige 50 (76) $100.00 to open, $100.00 ADB to earn dividends .05% .05%
Basic Business (70) $100.minimum to open N/A N/A
Regular Business (71) $100.00 to open, $750.00 ADB to earn dividends .05% .05%

This rate schedule states rates applicable to specified accounts. For complete account requirements and transaction limitations please refer to our Truth-In-Savings brochure and schedule of fees, or contact our office at 518-585-6725. Dividends are credited to your account and compounded monthly. Savings rates are variable, meaning that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors. (*ADB refers to average daily balance) Earnings may be reduced by fees.

Savings/Share Certificates

Terms Minimum Balance Dividend Rate APY
60 - 89 Days $500.00 .10% .10%
90 - 179 Days $500.00 .10% .10%
180 - 364 Days $500.00 .15% .15%
1 yr to less than 2 yrs $500.00 .25% .25%
2 yrs to less than 3 yrs $500.00 .40% .40%
3 yrs to less than 4 yrs $500.00 .50% .50%
4 yrs to less than 5 yrs $500.00 .55% .55%
5 yrs to less than 10 yrs $500.00 1.00% 1.00%

The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded monthly. A penalty may be imposed for early withdrawals. For complete account requirements and transaction limitations please refer to our Truth-in-Savings brochure or contact our office at 518-585-6725.

Rates subject to change.

IRA Certificates

Term Minimum Balance Dividend Rate Annual Percentage Yield
1 yr to less than 2 yrs $200.00 .25% .25%
2 yrs to less than 3 yrs $200.00 .40% .40%
3 yrs to less than 4 yrs $200.00 .50% .50%
4 yrs to less than 5 yrs $200.00 .55% .55%
5 yrs to less than 10 yrs $200.00 1.00% 1.00%

The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded monthly. A penalty may be imposed for early withdrawals. For complete account requirements and transaction limitations please refer to our Truth-in-Savings brochure or contact our office at 518-585-6725.

Rates subject to change.