Loan Rates


Rates effective September 7, 2020

Auto, Boat, and RV loans


You may now use the on-line tool to complete a loan application on this website. Additional information such as purchase agreements, payroll information, bills, etc. may still be needed. We will contact you to provide you with information that is needed to complete the request.  If you choose you may  call 315-470-7928 for instructions to provide that information.

If you choose not to apply using the on-line tool, you may print out a loan application found on forms page.  Fax to us at 315-470-5633.  The other option is to pick up a loan brochure at the credit union.

Due to Covid- 19

Appointments are required if you need to discuss your application

  • Loan Application
  • If applying with Co-Borrower/Co-signer –they must complete a separate application.
  • Signed Purchase Agreement
  • Description of vehicle to include year, make, model, mileage, equipment, VIN #
  • Insurance Information/Collateral Protection
  • Copy of title required for the following:
    • non-dealer sales, Refinance, or Auto Equity
  • Date of Delivery
  • Information on how the vehicle will be titled (Name) and the Plate Number
  • Copy of current payroll stub
  • Refinance Loans require a 10 day payoff in writing from your current lender.

 

Note:  Rates are listed ” As low as”  Based on credit score from Experian 680 or higher.  We have many other excellent rates and terms available based on individual terms, conditions, and scores.  Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate.  This is subject to change without notice.


Loan TypeTermAPR*
Auto Purchase Years 2018-2021
Terms and conditions may apply
36 months1.99%
48 months2.29%
60 months2.29%
72 months2.39%
Available for loans +$25,000 Yrs. 2019-202184 months3.74%
Auto Purchase
Years 2013 - 2017
36 months2.39%
Terms and conditions may apply based on NADA and year of vehicle48 months2.49%
60 months2.74%
72 months3.74%
Based on year and value, please ask for rates and terms if available 84 monthsAsk for rates and terms
Vehicle Refinance - Auto Equity Based on year, terms, date of purchaseConditions apply.
Ask for rates and terms
Boat/RV Purchase Years 2018-2021
New-Untitled ATV, snowmobile, Jet-ski, are included in this category-term based on year and NADA values.
Terms and conditions may apply
60 months3.49%
84 months4.49%
120 months4.95%
144 months5.75%
Used Boat/RV Purchase2012-2021 Terms and Conditions may apply ATV, snowmobile, Jet-ski, are included in this category60 months3.99%
84 months5.49%
120 months6.24%
Other Secured Category includes Older used car 2012 and older. ATV, snowmobile, Jet-ski, and Motorcycles are included in this category-term based on year and NADA values.36 months5.24%
48 months5.49%
60 months5.99%
72 monthsAsk for rates
Motorcycle Purchase
New and Untitled 2017 to 2021
60 months3.99%
Motorcycle Purchase
Used 2016-2021
60 months4.50%
Mechanical Repair Coverage
Keeping cars longer- Not too late to add on this valuable coverage
60 month4.99%

 

Signature / Personal, Bill Consolidation


You may now use the on-line tool to complete a loan application on this website. Additional information such as purchase agreements, payroll information, bills, etc. may still be needed. We will contact you to provide you with information that is needed to complete the request.  If you choose you may  call 315-470-7928 for instructions to provide that information.

If you choose not to apply using the on-line tool, you may print out a loan application found on forms page.  Fax to us at 315-470-5633.  The other option is to pick up a loan brochure at the credit union.

Due to Covid- 19

Appointments are required if you need to discuss your application

Loan Application

  • If applying with Co-Borrower/Co-signer –they must complete a separate application.
  • Copy of current payroll stub
  • *For bill consolidation, provide a list of bills with pay off amounts.
  • Credit Union may request copies of bills on bill consolidation loans
  • Ask for outcome date and time

Note:  Rates are listed ” As low as”  Based on credit score from Experian 680 or higher.  We have many other excellent rates and terms available based on individual terms, conditions, and scores.  Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate.  This is subject to change without notice

 


TypeTermAPR*
Personal/Signature Loans12 months 4.99%
36 months 6.74%
60 months6.99%
Bill Consolidation36 months11.99%
48 months13.99%
Specialty Loans- Includes Home Improvement and Healthy Choices, Stimulus
Written estimate Required -Credit Score 680+
12 months4.24%
36 months4.74%
60 months5.24%
72 months6.54%
Line of Credit / Overdraft Protection As low as 9.99%
Visa Credit CardAs low as 9.99%
Sweep Crouse Visa Credit Card36 months 6.99%
In most cases this will allow you to lower your payment when you reach your limit on our card
60 months 7.99%

 

Share Secured Loans

You may now use the on-line tool to complete a loan application on this website. Additional information such as purchase agreements, payroll information, bills, etc. may still be needed. We will contact you to provide you with information that is needed to complete the request.  If you choose you may  call 315-470-7928 for instructions to provide that information.

If you choose not to apply using the on-line tool, you may print out a loan application found on forms page.  Fax to us at 315-470-5633.  The other option is to pick up a loan brochure at the credit union.

Due to Covid- 19

Appointments are required if you need to discuss your application

Loan Application

  • If applying with Co-Borrower/Co-signer –they must complete a separate application.
  • Copy of current payroll stub
  • *For bill consolidation, provide a list of bills with pay off amounts.
  • Credit Union may request copies of bills on bill consolidation loans
  • Ask for outcome date and time

Note:  Rates are listed ” As low as”  Based on credit score from Experian 680 or higher.  We have many other excellent rates and terms available based on individual terms, conditions, and scores.  Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate.  This is subject to change without notice

TypeTermAPR*
100% Share Secured24 months1.49%
Shares on Deposit60 months2.29%
50% Share Secured24 months3.74%
Shares on Deposit48 months5.49%
Secured Credit CardAs low as17.99%

 

*APR = Annual Percentage Rate. APY = Annual Percentage Yield

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