(315) 470-7928    Mon: 7:30am – 4pm. Tues – Thurs: 8:30am – 4pm. Fri: 7:30am – 4:30pm

Loan Rates


Rates effective April 29, 2019

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.

Appointments are suggested if you need to discuss your application for any reason.

  • 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 2016-2019 Terms and conditions may apply 36 months2.65%
48 months2.93%
60 months3.03%
72 months3.13%
Available for loans +$25,000 Yrs. 2017-201984 months3.68%
Auto Purchase
Years 2011 - 2015
36 months2.91%
Terms and conditions may apply based on NADA and year of vehicle48 months2.93%
60 months3.03%
72 months3.99%
Based on year and value, please ask for rates and terms if available 84 monthsAsk for rates and terms
Vehicle Refinance - Auto Equity Bring your current contract so that we may determine if we can save you $$$$Loans that are financed with another lender ...Let us check to see if you can save $$$$$
Boat/RV Purchase Years 2016-2019 New-Untitled ATV, snowmobile, Jet-ski, Motorcycle are included in this category-term based on year and NADA values.
Terms and conditions may apply
60 months3.84%
84 months4.95%
120 months4.95%
144 months5.90%
Used Boat/RV Purchase2010-2018 Terms and Conditions may applyATV, snowmobile, Jet-ski, are included in this category60 months4.09%
84 months6.25%
120 months7.49%
Other Secured Category includes Older used car 2010 and older. ATV, snowmobile, Jet-ski, Motorcycle are included in this category-term based on year and NADA values.36 months5.49%
48 months5.99%
60 months6.25%
72 monthsAsk for rates
Motorcycle Purchase
New and Untitled
60 months3.85%
Motorcycle Purchase
2011-2018
60 months4.10%
Mechanical Repair Coverage
Keeping cars longer- Not too late to add on this valuable coverage
60 month3.99%

 

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.

Appointments are suggested if you need to discuss your application for any reason.

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 Loans11 months 4.99%
36 months 6.90%
60 months 7.20%
Bill Consolidation36 months10.99%
48 months12.99%
Home Improvement

Estimates Required
Check for requirements
11 months4.75%
60 months6.95%
Line of Credit / Overdraft Protection As low as 9.99%
Visa Credit CardAs low as 9.99%
Sweep Crouse Visa Credit Card36 months 6.90%
In most cases this will allow you to lower your payment when you reach your limit on our card
48 months 7.20%
Healthy Choice Examples: Treadmill purchase,Health Club membership,
Elective surgery not covered by insurances and more.
Proof Required
12 months 4.75%
60 months 6.95%

 

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.

Appointments are suggested if you need to discuss your application for any reason.

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 months2.54%
Shares on Deposit60 months2.98%
50% Share Secured24 months5.99%
Shares on Deposit48 months6.94%
Secured Credit CardAs low as17.99%

 

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