Loan Rates

      ( Rates effective 7/7/2022 Subject to change without notice)

 

 

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 required if you need to discuss your application.  Provide any information that you feel we may need to understand your request.

  • Loan Application
  • If applying with Co-Borrower/Co-signer –they must complete a separate application.
  • Signed Purchase Agreement from the seller
  • 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.
  • Refinance Loans require a copy of your current loan contract

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.

***84mo   **New and Untitled Auto–Credit Score 650 and above with Experian.  Loan Value $30k plus

Subject to change without notice.  *APR Annual Percentage Rate


Loan TypeTerm
Auto Purchase or Refinance your loan from other lenders Years 2021-2023
Terms and conditions may apply
36 months
48 months
Includes New/Used -Previously Titled up to 60 months
72 months
Available for loans +$30,000 Yrs. 2021-2023 (New or Used)84 months
Used Auto Purchase or Refinance your loan from other lenders
Years 2015-2020
up to 36 months
Terms and conditions may apply based on NADA and year of vehicleup to 48 months
60 months
72 months
Longer Term New Car Purchase Special ! Never Titled 84 months
New -Untitled Vehicles
Previous
Current
Next Year
Loan Value $30k plus
650+ Credit Score with Experian
New Boats/RV
2019-2023 New and Untitled or Refinance your current loan from other lenders - 1 year from original contract date
60 months
84 months
120 months
144 months
Used Boats/RV
2013-2023 Used or Previously titled or Refinance your loan from other lenders. Original contract over 1 year old
60 months
84 months
120 months
Other Secured Category includes Older Vehicles 2013 and older. May include ATV, snowmobile, Jet-ski, and motorcycles
Terms will be based on year and NADA values.
36 months
48 months
60 months
SportCraft - ( New and Untitled) 2021 to 2023 Motorcycle, Jetski, ATV, snowmobile, and other purchases . Ask for list.
60 months
Used 2013-2023 Motorcycle, Jetski, ATV, snowmobile, and other purchases. Ask for list.
60 months

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 required if you need to discuss your application.  Provide any information that you feel we may need to understand your request.

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 the day and time that we will have the outcome of your request
  • 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.
  • Subject to change without notice.  *APR Annual Percentage Rate

Signature LoansTerm
Personal-Signature loan
Maximum $20k
up to 12 months
36 months
We make every attempt to work with all credit scores and all situations 60 months
72 months
HOME IMPROVEMENTTerm
Written Contractor Estimates Required. Checks payable to contractors.24 months
Eligible borrowers must have 650+ credit score with Experian. Rates based on credit score. No delinquency patterns within last 5 years.
Maximum $35,000

36 months
60 months
** For amounts over $20,000—Min Requirements and 3yrs plus with same employer.

72 months
Mechanical Repair Coverage Term
Help protect your vehicle
3 Plans available
36 months
Cost may be far less than at dealer costs for this coverage 60 months
Bill Consolidation36 months
(List of bills required)
Checks Payable to creditors) Maximum unsecured loan limits will apply.
60 months
Line of Credit / Overdraft Protection ( new account)As low as
Visa Credit Card( new account)As low as
Secured Visa Credit CardAs low as
Sweep Crouse Visa Credit Card36 months
In most cases this will allow you to lower your payment when you reach your limit on our card
60 months

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 required if you need to discuss your application.  Provide any information that you feel we may need to understand your request.

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.

Subject to change without notice

TypeTerm
100% Share Secured24 months
Shares on Deposit60 months
50% Share Secured24 months
Shares on Deposit48 months
Secured Credit CardAs low as

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