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!
| Type | APR |
| NEW Car and motorcycle | As low as 5.74%** |
| Used Models (up to 10 years old) | As low as 6.74%** |
| Used Models (older than 10 years) | As low as 7.74%** |
| Personal Loan Unsecured | As low as 10.25% |
| Personal Line of Credit | As low as 12.00% |
| Credit Builder | 6.49% |
| Full Savings (Secured) | As low as 4.99% |
| New Recreational Vehicles | As low as 7.50% |
| Used Recreational Vehicles | As low as 7.74% |
| 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 6.00%* |
**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, 2025
Rates subject to change without notice.
Effective 3/1/24
KIDS Account Certificate: Minimum Balance $50.00. Regular Certificate Rates
| 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.
| Quarter | Savings APR/APY | Club APR/APY | Checking APR/APY | Money Markets (Existing pre-merge Only) |
|---|---|---|---|---|
| 4th Quarter 2024 | .15% / .15% | .10% / .10% | .00% / .00% | 1.00% / 1.00% |
| 3rd Quarter 2024 | .17% / .17% | .10% / .10% | .00% / .00% | 2.00% / 2.00% |
| 2nd Quarter 2024 | .17% / .17% | .10% / .10% | .00% / .00% | - |
| 1st Quarter 2024 | .10% / .10% | .10% / .10% | .07% / .07% | - |
| 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% | - |
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 7.50% effective 02/01/2025 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.