(315) 342-4574      Monday – Friday 9:30am – 5pm

Deposit and Loan rates

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Share account rates

Rates effective as of September 1, 2017

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Account type Minimum balance APR* APY**
Regular shares $5.00 0.20% 0.20%
IRA Shares $5 0.40% 0.40%
Summer shares $0.00 0.20% 0.20%
Christmas savings $0.00 0.20% 0.20%
Miscellaneous and travel $0.00 0.20% 0.20%
High yield savings $2,500 - $9,999.99 0.45% 0.45%
$10,000 - $24,999.99 0.45% 0.45%
$25,000 - $49,999.99 0.55% 0.55%
$50,000 - $99,999.99 0.60% 0.60%
$100,000 - $199,999.99 0.70% 0.70%
$200,000 - $1,000,000.00 0.80% 0.80%
$1,000,000.01 and over no dividend no dividend

*Annual Percentage Rate **Annual Percentage Yield. Dividend rates and APY are subject to change without notice. Please contact the credit union for additional terms and current. All accounts are federally insured to $250,000.00 by the National Credit Union Administration, a U.S. Government Agency. IRA accounts are separately insured to $250,000.00.


Loan rates

Rates effective as of September 1, 2017

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Account type Term APR*
VISA (no annual fee) Revolving 9.50%
New auto up to 84 months as low as 1.99%
Used auto up to 72 months as low as 1.99%
Recreational vehicle** up to 180 months as low as 1.99%
Home improvement up to 60 months as low as 4.99%
Personal / Unsecured up to 60 months as low as 9.99%
Home equity term loan up to 240 months as low as 2.95%
Home equity line up to 240 months as low as 1.99%

*Annual Percentage Rate ** Boats, Travel trailers, RVs, Snowmobiles, Dirt Bikes, ATVs, Tractors and Boats. Call the credit union for details. The stated rates are subject to change. Please call the credit union for your specific needs.