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.
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 Type | Term | APR* |
|---|---|---|
| Auto Purchase Years 2017-2021 Terms and conditions may apply | 36 months | 2.29% |
| 48 months | 2.49% | |
| 60 months | 2.79% | |
| 72 months | 2.89% | |
| Available for loans +$25,000 Yrs. 2019-2021 | 84 months | 3.39% |
| Auto Purchase Years 2012 - 2016 | 36 months | 2.49% |
| Terms and conditions may apply based on NADA and year of vehicle | 48 months | 2.79% |
| 60 months | 2.99% | |
| 72 months | 3.59% | |
| Based on year and value, please ask for rates and terms if available | 84 months | Ask for rates and terms |
| Vehicle Refinance - Auto Equity | Based on year, terms, date of purchase | Rate as low as 2.99% Conditions apply. Original Contract less than 180 days |
| Boat/RV Purchase Years 2017-2021 New-Untitled ATV, snowmobile, Jet-ski, are included in this category-term based on year and NADA values. Terms and conditions may apply | 60 months | 2.79% |
| 84 months | 4.50% | |
| 120 months | 4.89% | |
| 144 months | 5.50% | |
| Used Boat/RV Purchase2012-2021 Terms and Conditions may apply ATV, snowmobile, Jet-ski, are included in this category | 60 months | 3.89% |
| 84 months | 4.79% | |
| 120 months | 5.99% | |
| Other Secured Category includes Older used car 2011 and older. ATV, snowmobile, Jet-ski, and Motorcycles are included in this category-term based on year and NADA values. | 36 months | 5.25% |
| 48 months | 5.50% | |
| 60 months | 5.75% | |
| 72 months | Ask for rates | |
| Motorcycle Purchase New and Untitled 2017 to 2021 | 60 months | 3.85% |
| Motorcycle Purchase Used 2012-2020 | 60 months | 4.10% |
| Mechanical Repair Coverage Keeping cars longer- Not too late to add on this valuable coverage | 60 month | 4.99% |
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.
Loan Application
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
| Type | Term | APR* |
|---|---|---|
| Personal/Signature Loans | 12 months | 4.99% |
| 36 months | 6.75% | |
| 60 months | 6.99% | |
| Bill Consolidation | 36 months | 11.50% |
| 48 months | 13.99% | |
| Specialty Loans- Includes Home Improvement and Healthy Choices Written estimate Required -Credit Score 680+ | 12 months | 2.99% |
| 36 months | 4.60% | |
| 60 months | 4.75% | |
| 72 months | 4.99% | |
| Line of Credit / Overdraft Protection | As low as | 9.99% |
| Visa Credit Card | As low as | 9.99% |
| Sweep Crouse Visa Credit Card | 36 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% |
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.
Loan Application
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
| Type | Term | APR* |
|---|---|---|
| 100% Share Secured | 24 months | 2.29% |
| Shares on Deposit | 60 months | 2.49% |
| 50% Share Secured | 24 months | 3.59% |
| Shares on Deposit | 48 months | 5.19% |
| Secured Credit Card | As low as | 17.99% |
*APR = Annual Percentage Rate. APY = Annual Percentage Yield