Current Rates

Current Rates

Rates and APR* are current as of 07/01/2018 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
2018-2017 60 Months As low as 2.49% $17.64
2018-2017  Min $10,000 61-72 Months As low as 2.74% $14.97
2018-2017  Min $20,000 73-84 Months As low as 4.49% $13.90
2016-2013 60 Months As low as 2.74% $17.86
2016-2013 Min $10,000 61-72 Months As low as 4.5% $18.64
2012 And Older Autos Up To 60 Months As low as 5.99% $19.11

 

 

 

Max. Term APR* Monthly Pymt. Per $1,000.
New Recreational Vehicle 2018 – 2017 60 Months As low as 3.99% $18.42
New Recreational Vehicle Min $10,000 72 Months As low as 4.99% $16.11
New Recreational Vehicle Min$20,000 120 Months As low as 6.99% $11.61
Used Recreational Vehicle 2016 – 2013 60 Months As low as 4.49% $18.53
Used Recreational Vehicle 2016 – 2013 Min $10,000 72 Months As low as 5.99% $16.58
Used Recreational Vehicle 2016 – 2013 Min $20,000 120 Months As low as 7.74% $12.00
Used Recreational Vehicle 2012 or Older 60 Months As low as 7.49% $20.04
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 8.49% $31.57
Unsecured Personal  Loan Max $15,000 60 Months As low as 9.49% $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 5.99% $19.33


Home Equity Loans Max. Term APR* Monthly Pymt. Per $1,000.
  61-120 months/121-180 months As Low as 4.00%/As Low as 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.

* APR – Annual Percentage Rate

Dividend Rates

as of 08/01/2018 and are subject to change without notice

Account Name Minimum Opening Deposit Minimum Balance to Obtain APY* Dividend Rate APY*
Vacation $25.00 $50.00 .25% .26%
Savings $25.00 $50.00 .25% .26%
Money Market $2,000,00 $2,000,00 .40% .41%
IRA $1,000.00 $1,000.00 .50% .51%
Christmas Club $25.00 $50.00 .25% .26%
Share Certificate Accounts
60 Month Term $1,000.00 $1,000.00 2.25% 2.27%
24 Month Term $1,000.00 $1,000.00 1.50% 1.51%
12 Month Term $1,000.00 $1,000.00 1.25% 1.26%
06 Month Term $1,000.00 $1,000.00 .75% .76%


APY* Annual Percentage Yield