2525 Military Rd Niagara Falls, NY 14304 (716) 236-7678 Office Hours: Monday – Friday: 9:00am – 4:30pm Holiday Schedule 2022 Like Us on Facebook Download Monthly Newsletter

Loan Rates 2nd Quarter 2022

Rate discounts available for First Responders, Veterans and Gap Insurance on Auto loans!

Loan Rates

Type APR
NEW Car and motorcycle As low as 1.99%
Used Models (up to 10 years old) As low as 2.99%
Used Models (older than 10 years) As low as 6.24%
Personal Loan Unsecured As low as 8.00%
Personal Line of Credit As low as 9.50%
Full Share (Secured) As low as 3.24%
New Recreational Vehicles As low as 5.00%
Used Recreational Vehicles As low as 5.25%
Home Equity Loans (Primary residence) As low as 3.00%
Home Equity Loans (Secondary residence) As low as 4.25%

Rates subject to change without notice.



Certificate Rates


Effective 1/10/22


Amount Term APR APY
$25,000.00 and higher 3 years .20% .20%
- 4 years .40% .40%
- 5 years .60% .60%
$500 - $24,999 6 months .05% .05%
- 1 year .10% .10%
- 2 years .15% .15%

Rates subject to change without notice.

Truth in Savings Interest Rates


Quarter Savings APR/APY Club APR/APY Draft APR/APY
1st Quarter 2022 .03% / .03% .03% / .03% .01% / .01%
4th Quarter 2021 .03% / .03% .03% / .03% .01% / .01%
3rd Quarter 2021 .03% / .03% .03% / .03% .01% / .01%
2nd Quarter 2021 .03% / .03% .03% / .03% .01% / .01%

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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