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 or Refinance your loan from other lenders Years 2020-2022 Terms and conditions may apply | 36 months | 1.73% |
| 48 months | 1.73% | |
| 60 months | 1.73% | |
| 72 months | 1.98% | |
| Available for loans +$25,000 Yrs. 2020-2022 | 84 months | 3.59% |
| Auto Purchase or Refinance your loan from other lenders Years 2013 - 2019 | 36 months | 1.98% |
| Terms and conditions may apply based on NADA and year of vehicle | 48 months | 2.59% |
| 60 months | 2.99% | |
| 72 months | 3.29% | |
| Based on year and value, please ask for rates and terms | 84 months | Ask for rates and terms |
| Auto Equity | Based on year, terms, equity value. Ask specific details | |
| New Boats/RV 2018-2022 New and Untitled or Refinance your current loan from other lenders - 1 year from original contract date | 60 months | 3.75% |
| 84 months | 4.35% | |
| 120 months | 4.95% | |
| 144 months | 5.50% | |
| Used Boats/RV 2012-2022 Used or Previously titled or Refinance your loan from other lenders. Original contract over 1 year | 60 months | 4.00% |
| 84 months | 5.50% | |
| 120 months | 6.75% | |
| Other Secured Category includes Older Used Car 2012 and older. Also includes older ATV, snowmobile, Jet-ski, and motorcycles Terms will be based on year and NADA values. | 36 months | 3.59% |
| 48 months | 4.29% | |
| 60 months | 5.49% | |
| 72 months | Ask for rates | |
| Motorcycle, Jetski, ATV, snowmobile, and other purchases . Ask for list. New and Untitled 2018 to 2022 | 60 months | 3.49% |
| Motorcycle, Jetski, ATV, snowmobile, and other purchases. Ask for list. Used 2013-2022 | 60 months | 4.49% |
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* |
|---|---|---|
| Summer "FUN" Loan | 10 months | 2.99% |
| Maximum amount $2500.00. Eligible borrowers must have 600+ credit score with Experian. Rate based on credit score. | 24 months | 2.99% |
| 36 months | 3.99% | |
| HOME IMPROVEMENT | ||
| Written Contractor Estimates Required. | 10 months | 4.24% |
| Eligible borrowers must have 680+ credit score with Experian. Rates based on credit score | 36 months | 4.74% |
| ** For amounts over $20,000—5 years plus with same employer, Income to debt qualification 30% or less | 60 months | 5.24% |
| 72 months | 5.99% | |
| Personal/Signature Loan Maximum -$20,000 | 12 months | 4.98% |
| up to 60 months | 5.98% | |
| Mechanical Repair Coverage | Help protect your vehicle 3 Plans available | Cost may be far less than at dealer costs for this coverage |
| 36 months | 3.99% | |
| 60 months | 4.99% | |
| Bill Consolidation | 36 months | 8.75% |
| (List of bills required) Checks Payable to creditors) | 60 months | 10.25% |
| Line of Credit / Overdraft Protection | As low as | 7.99% |
| Visa Credit Card | As low as | 7.99% |
| Secured Visa Credit Card | As low as | 17.99% |
| Sweep Crouse Visa Credit Card | 36 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% |
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
| Type | Term | APR* |
|---|---|---|
| 100% Share Secured | 24 months | .99% |
| Shares on Deposit | 60 months | 1.59% |
| 50% Share Secured | 24 months | 2.59% |
| Shares on Deposit | 48 months | 2.74% |
| Secured Credit Card | As low as | 17.99% |
*APR = Annual Percentage Rate. APY = Annual Percentage Yield