Current Rates

Current Rates

Rates and APR* are current as of 08/16/2022 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 2022-2021 48 Months As low as 2.25% $21.81
60 Months As low as 2.50% $17.75
Min $10,000 61-72 Months As low as 2.75% $15.08
Min $20,000 73-84 Months As low as 3.25% $13.32
Used 2020-2017 48 Months As low as 2.75% $22.03
60 Months As low as 2.95% $17.95
Min $10,000 61-72 Months As low as 3.15% $15.26
Older than 2017 Up To 60 Months As low as 5.99% $19.33
Max. Term APR* Monthly Pymt. Per $1,000.
New Recreational Vehicle 2022 - 2021 60 Months As low as 4.49% $18.64
Min $10,000 72 Months As low as 4.99% $16.01
Min $20,000 120 Months As low as 5.99% $11.10
Used Recreational Vehicle 2020 - 2017 60 Months As low as 4.49% $18.64
Min $10,000 72 Months As low as 5.25% $16.22
Min $20,000 120 Months As low as 5.99% $11.35
Used Recreational Vehicle Older than 2017 60 Months As low as 7.49% $20.03
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 7.50% $31.57
Unsecured Personal  Loan  Max $15,000 60 Months As low as 8.50% $21.00
Secured Personal Loan 60 Months 3.25% over shares pledged $18.19
Line of Credit 60 Months 12.50% $22.50
Home Improvement Loan 60 Months As low as 6.50% $19.57


Home Equity Loans Max. Term APR* Monthly Pymt. Per $1,000.
  61-120 months/121-180 months 4.00% / 4.50% 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 09/01/2021 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 .35% .35%
IRA $1,000.00 $1,000.00 .50% .50%
Share Certificate Accounts
60 Month Term $1,000.00 $1,000.00 0.75% 0.75%
24 Month Term $1,000.00 $1,000.00 0.60% 0.60%
12 Month Term $1,000.00 $1,000.00 0.50% 0.50%
6 Month Term $1,000.00 $1,000.00 0.35% 0.35%


APY* Annual Percentage Yield                                    ** Account withdrawal limitations apply