Current Rates

Current Rates

Rates and APR* are current as of 05/21/2019 and are subject to change without notice. Monthly payments are based on maximum term listed below per $1,000.

New & Used Autos/Motorcycles

Max. TermAPR*Monthly Pymt. Per $1,000
2019-201860 MonthsAs low as 2.99%$17.86
2019-2018  Min $10,00061-72 MonthsAs low as 3.49%$15.42
2019-2018  Min $20,00073-84 MonthsAs low as 4.49%$13.90
2017-201460 MonthsAs low as 3.24%$17.97
2017-2014 Min $10,00061-72 MonthsAs low as 4.50%$18.64
2013 And Older AutosUp To 60 MonthsAs low as 6.75%$19.69
Max. TermAPR*Monthly Pymt. Per $1,000.
New Recreational Vehicle 2019 – 201860 MonthsAs low as 4.74%$18.42
New Recreational Vehicle Min $10,00072 MonthsAs low as 4.99%$16.11
New Recreational Vehicle Min$20,000120 MonthsAs low as 6.99%$11.61
Used Recreational Vehicle 2017 – 201460 MonthsAs low as 4.49%$18.53
Used Recreational Vehicle 2016 – 2013 Min $10,00072 MonthsAs low as 5.99%$16.58
Used Recreational Vehicle 2017 – 2014 Min $20,000120 MonthsAs low as 6.99%$12.00
Used Recreational Vehicle 2013 or Older 60 MonthsAs low as 7.49%$20.04
Unsecured Personal Loan Max $2,50024 MonthsAs low as 5.49%$44.10
Unsecured Personal Loan Max $15,00036 MonthsAs low as 8.49%$31.57
Unsecured Personal  Loan Max $15,00060 MonthsAs low as 9.49%$21.00
Secured Personal Loan 60 Months3.25% over shares pledged$18.19
Line of Credit60 Months12.50%$22.50
Home Improvement Loan60 MonthsAs low as 6.50%$19.45


Home Equity LoansMax. TermAPR*Monthly Pymt. Per $1,000.
 61-120 months/121-180 monthsAs 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 09/17/2019 and are subject to change without notice

Account NameMinimum Opening DepositMinimum Balance to Obtain APY*Dividend RateAPY*
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$1,000.002.00%2.02%
24 Month Term$1,000.00$1,000.001.75%1.76%
12 Month Term$1,000.00$1,000.001.50%1.51%
06 Month Term$1,000.00$1,000.001.00%1.00%


APY* Annual Percentage Yield