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The following rates are effective as of:
March 31, 2008
LOAN RATES
Car, Truck, Motorcycle, RV, Boat & Seasonal Vehicle Loans
2005-2008 |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
24 |
4.875% |
$43.82 |
36 |
5.125% |
$30.03 |
48 |
5.375% |
$23.20 |
60 |
5.625% |
$19.16 |
72 |
6.375% |
$16.76 |
84 |
7.125% |
$17.12 |
RV terms to 144 months, Call for rates.
Boat terms to 120 months, Call for rates. |
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Car, Truck, Motorcycle, RV, Boat & Seasonal Vehicle Loans
Used 2001-2004 |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
24 |
5.875% |
$44.27 |
36 |
6.125% |
$30.48 |
48 |
6.375% |
$23.66 |
60 |
6.625% |
$19.63 |
72 |
7.375% |
$17.23 |
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Car, Truck, Motorcycle, RV, Boat & Seasonal Vehicle Loans
Used 2000 |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
24 |
6.875% |
$44.72 |
36 |
7.125% |
$30.94 |
48 |
7.375% |
$24.12 |
* Your rate will depend upon your credit history and the term of your loan.
Rates are subject to change without notice. |
VISA CREDIT CARDS |
Term (Months) |
Annual Percentage Rate * |
Payment based on credit line |
As low as the Prime Rate + 3.99% |
| * Your rate will depend upon your credit history. Rates are subject to change without notice. |
Click here to review our Visa programs including our rewards, business, young adults and secured cards. |
Line of Credit
$15,000 Maximum
Can be linked to your checking account. |
Term (Months) |
Annual Percentage Rate * |
Payment based on credit line |
As low as 13.50% |
| * Your rate will depend upon your credit history. Rates are subject to change without notice. |
Unsecured Personal Loans
$20,000 Maximum
|
Term (Months) |
Loan Amount |
Annual Percentage Rate* |
Monthly Payment Per $1,000 |
72 |
$20,000 |
10.50% |
$18.79 |
| * Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice. |
Credit Builder Loan
Share Secured Loan
|
Term
(Months) |
Annual Percentage Rate* |
Monthly Payment
Per $1,000 |
18 |
15.75% |
$62.75 |
| * Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice. |
Secured Personal Loans
$25,000 Maximum
|
Term (Months) |
Loan Amount |
Annual Percentage Rate* |
Monthly Payment Per $1,000 |
72 |
$25,000 |
8.50% |
$17.79 |
| * Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice. |
Education Loans
Maximum loan is $7,500 for full-time students and $3,500 for part-time students. Interest-only payment option while in school for full-time students only. |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
144 |
5.75% |
$9.64 |
* Variable rate adjusts quarterly and is calculated by using the Prime Rate as published in the Wall Street Journal plus or minus .50%. The lifetime rate cap is 18%. Your rate will depend upon your credit history. Rates are subject to change without notice. |
Fixed Rate Home Equity Loans
No closing costs except the mandatory NYS Morgage Tax.
Maximum loan is $250,000. |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
60 |
6.125% |
$19.40 |
120 |
6.375% |
$11.30 |
180 |
6.750% |
$8.85 |
240 |
7.000% |
$7.76 |
* Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice. |
One Year Adjustable Rate Home Equity Line
With A Conversion Option
No closing costs, except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000. |
Term (Months) |
Annual Percentage Rate * |
300 |
4.75% |
* The initial rate is variable periodic rate for six months. After the initial rate, the variable periodic rate is calculated using the prime rate as published in the Wall Street Journal plus or minus a margin. The variable rate changes annually on the anniversary date of your loan. The lifetime rate cap is 18%. There is a ten-year draw period with a 15-year repayment period. The current Annual Percentage Rate of 2/22/08 is 5.50%. After your first anniversary, you may convert any portion of the balance to a Fixed Rate Home Equity. Your rate will depend upon your credit history. Rates are subject to change without notice. |
Three Year Adjustable Rate Home Equity Line
No closing costs, except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000. |
Term (Months) |
Annual Percentage Rate * |
180 |
5.75% |
* Variable periodic rate adjusts every three years and is calculated using the Prime Rate as published in the Wall Street Journal plus or minus a margin. The floor, (the lowest the Annual Percentage Rate will be) is 5.75%. The lifetime rate cap is 18%. There is a six-year draw period. Your rate will depend upon your credit history. Rates are subject to change without notice. |
CLICK HERE FOR
CURRENT MORTGAGE RATES
Call (518) 783-2211 for more information.
SAVINGS DIVIDEND RATES – Effective as of March 31, 2007
ENERGIZED CHECKING ** |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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$0 - $2,499.99 |
0.00% |
0.00% |
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$2,500.00 |
1.35% |
1.35% |
* Annual Percentage Yield – yields are based on the reinvestment of principal and interest (where applicable) for one year.
** Dividends are compounded and paid monthly. All rates are subject to change. A monthly $10.00 fee will be imposed if average daily balance falls below $2,500. |
MONEY MOVER CERTIFICATE ** |
$ 2,500 minimum deposit
Bonus rate for deposits of $50,000 and over.
Also available for IRA deposits. |
| |
Term |
DIVIDEND
RATE |
APY* |
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12 Months |
2.96% |
3.00% |
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24 Months |
3.10% |
3.15% |
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MEMBER SELECT CERTIFICATES ** |
You select the term. Minimum balance of $ 5,000
Also available for IRA deposits. |
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Term |
DIVIDEND
RATE |
APY* |
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15, 18, or 21 months |
2.96% |
3.00% |
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30 months |
3.10% |
3.15% |
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SHARE CERTIFICATES ** |
$ 500 minimum deposit
Also available for IRA deposits. |
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Term |
DIVIDEND
RATE |
APY* |
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6 months |
2.72% |
2.75% |
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12 months |
2.81% |
2.85% |
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24 months |
2.96% |
3.00% |
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36 months |
3.15% |
3.20% |
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48 months |
3.34% |
3.40% |
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60 months |
3.44% |
3.50% |
* Annual Percentage Yield – yields are based on the reinvestment of principal and interest (where applicable) for one year.
** Dividends are compounded and paid monthly. All rates are subject to change. A penalty will and may be imposed for early withdrawal on certificates, including IRA’s certificates. Contact any employee for more detailed certificate information or call our office at (518) 783-2211 for our current rates. |
INSURED MONEY MARKET ACCOUNTS ** |
Withdraw up to 6 times per month.
3 of these can be by checks that you write. |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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$0 - $2,499.99 |
0.00% |
0.00% |
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$2,500.00 - $9,999.99 |
1.74% |
1.75% |
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$10,000.00 - $49,999.99 |
1.99% |
2.00% |
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$50,000.00 & up |
2.23% |
2.25% |
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IRA SHARE ACCOUNTS ** |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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$0 -$9,999.99 |
1.74 |
1.75 |
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$10,000 -$49,999.99 |
1.99 |
2.00 |
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$50,000.00 & up |
2.23 |
2.25 |
All Certificate rates are also available for IRA deposits.
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SHARE SAVINGS ACCOUNTS ** |
Rates also apply to Holiday Clubs, Special
and Vacation Share accounts. |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
| |
$0.00 - $99.99 |
0.00% |
0.00% |
| |
$100.00 - $2,499.99 |
0.15% |
0.15% |
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$2,500.00 - $9,999.99 |
0.35% |
0.35% |
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$10,000.00 - $49,999.99 |
0.50% |
0.50% |
| |
$50,000.00 & up |
0.75% |
0.75% |
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YOUTH SAVINGS ACCOUNTS |
SCOTTIE SAVERS **
For children up to age 13. Deposits earn Scottie bucks to redeem for gifts. |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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$0.00 - $2,499.99 |
0.15% |
0.15% |
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$2,500.00 - $9,999.99 |
0.35% |
0.35% |
| |
$10,000.00 - $49,999.99 |
0.50% |
0.50% |
| |
$50,000.00 & up |
0.75% |
0.75% |
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SCOTTIE SAVERS/MONEY RULES! CD** |
$100 MINIMUM OPENING DEPOSIT
Make deposits at any time up to $30,000 per term.
For MoneyRules! members ages up to 17.
On your 18th birthday, the CD will earn the regular one-year rate. |
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Term: |
DIVIDEND
RATE |
APY* |
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1 Year |
3.20% |
3.10% |
* Annual Percentage Yield. Yields are based on the reinvestment of principal and interest (where applicable) for one year. Contact any employee for more detailed savings account information or call our office at (518) 783-2211 for our current rates.
** Savings dividend rates are variable and are subject to change after the account has been opened. All rates are subject to change at the discretion of the Board of Directors. Fees could reduce the earnings in savings accounts. Contact any employee for more detailed savings account information or call our office at (518) 783-2211 for our current rates. . |
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