(315) 342-4574      Monday - Friday 8:30am to 4:00pm.

Deposit and Loan rates

Rates effective as of July 1, 2021

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Share account rates

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Account type Minimum balance APR* APY**
Regular shares $5.00 0.20% 0.20%
Christmas club $0.00 0.20% 0.20%
Summer savings $0.00 0.20% 0.20%
Miscellaneous and travel $0.00 0.20% 0.20%
Share Draft checking $0.00 0.00% 0.00%
IRA Shares $5.00 0.20% 0.20%
High yield savings $2,500 - $9,999.99 0.20% 0.20%
$10,000 - $24,999.99 0.20% 0.20%
$25,000 - $49,999.99 0.40% 0.40%
$50,000 - $99,999.99 0.50% 0.50%
$100,000 - $199,999.99 0.60% 0.60%
$200,000 - $1,000,000.00 0.70% 0.70%
$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

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Account type Term APR*
New auto (model year '20 and newer) up to 84 months as low as 1.99%
Used auto (model year '18 and '19)*** up to 84 months as low as 2.25%
Recreational vehicle** up to 180 months as low as 3.99%
Home improvement up to 60 months as low as 3.99%
Personal / Unsecured up to 60 months as low as 7.99%
Home equity term loan up to 240 months as low as 2.70%
Home equity line up to 240 months as low as 2.99%

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