Current Rates

Current Rates

Rates and APR* are current as of 10/01/24 and are subject to change without notice. Monthly payments are based on maximum term listed below per $1,000.

New & Used Autos/Motorcycles

 Max. Term APR* Monthly Pymt. Per $1,000
New 2025-2024 48 Months As low as 4.95% $23.01
60 Months As low as 5.25% $18.99
Min $10,000 61-72 Months As low as 5.75% $16.46
Min $20,000 73-84 Months As low as 6.25% $14.74
Used 2023-2020 48 Months As low as 5.75% $23.38
60 Months As low as 6.00% $19.34
Min $10,000 61-72 Months As low as 6.25% $16.70
Older than 2019 Up To 60 Months As low as 8.00% $20.28
Max. Term APR* Monthly Pymt. Per $1,000.
New Recreational Vehicle 2025 - 2024 60 Months As low as 6.50% $19.57
Min $10,000 72 Months As low as 7.00% $17.05
Min $20,000 120 Months As low as 7.75% $12.00
Used Recreational Vehicle 2023 - 2020 60 Months As low as 7.00% $19.80
Min $10,000 72 Months As low as 7.25% $17.17
Min $20,000 120 Months As low as 8.00% $12.13
Used Recreational Vehicle Older than 2019 60 Months As low as 7.75% $20.16
Unsecured Personal Loan  Max $2,500 24 Months As low as 5.49% $44.10
Unsecured Personal Loan  Max $15,000 36 Months As low as 8.50% $31.57
Unsecured Personal  Loan  Max $15,000 60 Months As low as 9.50% $21.01
Secured Personal Loan 60 Months 3.25% over shares pledged $18.19
Line of Credit 60 Months As low as 9.50% $21.01
Home Improvement Loan Max $15,000 60 Months As low as 9.00% $20.52


Home Equity Loans Max. Term APR* Monthly Pymt. Per $1,000.
  61-120 months/121-180 months 6.50% / 7.00% Based on rate & term


Requirements for Home Equity Loans, home must be located in Oneida County or surrounding counties. Must be owner occupied primary residence for at least 90 days or more. Maximum term is 15 years. No mobile homes. Not a revolving equity line and no variable rates offered at this time.  See Manager for application and details.

* APR – Annual Percentage Rate

Dividend Rates

as of 09/2023 and are subject to change without notice

Account Type Minimum Opening Deposit Minimum Balance to Obtain APY* Dividend Rate APY*
Savings $25.00 $50.00 .25% .25%
Vacation $25.00 $50.00 .25% .25%
Christmas Club** $25.00 $50.00 .25% .25%
Money Market** $2,000.00 $2,000.00 .50% .51%
IRA $1,000.00 $1,000.00 .50% .51%
Share Certificate Accounts
60 Month Term $1,000.00 $1,000.00 2.47% 2.50%
24 Month Term $1,000.00 $1,000.00 2.23% 2.25%
12 Month Term $1,000.00 $1,000.00 2.23% 2.25%
6 Month Term $1,000.00 $1,000.00 1.49% 1.50%


APY* Annual Percentage Yield                                    ** Account withdrawal limitations apply