2525 Military Rd Niagara Falls, NY 14304 (716) 236-7678 Office Hours: Monday – Friday: 9:00am – 4:30pm Holiday Schedule 2024 Like Us on Facebook

Loan Rates 1st Quarter 2024

Rate discounts available for First Responders, Veterans, Gap Insurance on Auto loans, Direct Deposit on Existing members, and Credit Life and Credit Disability Insurance.

Additional discounts available for existing members, contact us or apply today to see what you are eligible for!

Loan Rates

Type APR
NEW Car and motorcycle As low as 5.99%**
Used Models (up to 10 years old) As low as 6.99%**
Used Models (older than 10 years) As low as 7.99%**
Personal Loan Unsecured As low as 11.00%
Personal Line of Credit As low as 12.25%
Credit Builder 6.49%
Full Savings (Secured) As low as 4.99%
New Recreational Vehicles As low as 7.74%
Used Recreational Vehicles As low as 8.00%
Home Equity Loans (Primary residence) As low as 7.50%*
Home Equity Loans (Secondary residence) As low as 8.50%*
Home Equity Loan (FIXED) As low as 7.00%*

**rate includes maximum discount of 0.50% of the available discounts listed above
*Home Equity rates are based off of the Wall Street Journal Prime Rate as of January 1, 2024

Rates subject to change without notice.



Certificate Rates

Effective 8/7/23

KIDS Account Certificate: Minimum Balance $50.00. Regular Certificate Rates

9 Month Special:
Minimum $1,000.00 - Maximum $9,999.99 - 5.00%**

**New Money Only
REGULAR Minimum Balance: $1000
6 Month 1.75%
1 Year 2.00%
18 Month 2.25%
2 Year 2.50%
JUMBO Minimum Balance: $50,000
3 Year 2.75%
4 Year 3.25%
5 Year 3.75%

Rates subject to change without notice.

Truth in Savings Interest Rates

Quarter Savings APR/APY Club APR/APY Checking APR/APY
4th Quarter 2023 .10% / .10% .10% / .10% .07% / .07%
3rd Quarter 2023 .10% / .10% .10% / .10% .07% / .07%
2nd Quarter 2023 .10% / .10% .10% / .10% .07% / .07%
4th Quarter 2022 .05% / .05% .05% / .05% .03% / .03%
3rd Quarter 2022 .05% / .05% .05% / .05% .03% / .03%
2nd Quarter 2022 .05% / .05% .05% / .05% .03% / .03%

Interest credited quarterly, early withdrawal penalty applies. Rates subject to change without notice.

APR = *Annual percentage rate. All loans subject to approval, rates may vary from those listed based on term and credit qualifications. Other rates and terms available. Special promotion rates may apply. Rates and terms are subject to change without prior notice. Please contact the office for more details. (716)236-7678. **Prime rate is 3.25% effective 07/01/2020 as published in the Wall Street Journal. The maximum Annual Percentage Rate that can apply is 15% or the maximum permitted by law, whichever is less. You may pay certain fees to third parties to open the plan. These fees generally total between $300.00 and $2,500.00. If you ask, we will provide you with an itemization of the fees you may have to pay to third parties.

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