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 Type	Term
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 vehicle	up 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

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 Loans	Term
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 IMPROVEMENT	Term
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 Consolidation	36 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 Card	As low as
Sweep Crouse Visa Credit Card	36 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

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

Subject to change without notice

Type	Term
100% Share Secured	24 months
Shares on Deposit	60 months
50% Share Secured	24 months
Shares on Deposit	48 months
Secured Credit Card	As low as

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