Loan Rates


Rates Effective July, 6, 2021

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.

Due to Covid- 19 Appointments are required if you need to discuss your application

  • 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.
  • 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.  This is subject to change without notice.


Loan TypeTermAPR*
Auto Purchase or Refinance your loan from other lenders Years 2020-2022
Terms and conditions may apply
36 months1.73%
48 months1.73%
60 months1.73%
72 months1.98%
Available for loans +$25,000 Yrs. 2020-202284 months3.59%
Auto Purchase or Refinance your loan from other lenders
Years 2013 - 2019
36 months1.98%
Terms and conditions may apply based on NADA and year of vehicle48 months2.59%
60 months2.99%
72 months3.29%
Based on year and value, please ask for rates and terms84 monthsAsk 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 months3.75%
84 months4.35%
120 months4.95%
144 months5.50%
Used Boats/RV
2012-2022 Used or Previously titled or Refinance your loan from other lenders. Original contract over 1 year
60 months4.00%
84 months5.50%
120 months6.75%
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 months3.59%
48 months4.29%
60 months5.49%
72 monthsAsk for rates
Motorcycle, Jetski, ATV, snowmobile, and other purchases . Ask for list.
New and Untitled 2018 to 2022
60 months3.49%
Motorcycle, Jetski, ATV, snowmobile, and other purchases. Ask for list.
Used 2013-2022
60 months4.49%

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.

Due to Covid- 19   Appointments are required if you need to discuss your application

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*
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 months2.99%
36 months3.99%
HOME IMPROVEMENT
Written Contractor Estimates Required.
10 months4.24%
Eligible borrowers must have 680+ credit score with Experian. Rates based on credit score36 months4.74%
** For amounts over $20,000—5 years plus with same employer, Income to debt qualification 30% or less

60 months5.24%
72 months5.99%
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 months4.99%
Bill Consolidation36 months8.75%
(List of bills required)
Checks Payable to creditors)
60 months10.25%
Line of Credit / Overdraft Protection As low as 7.99%
Visa Credit CardAs low as 7.99%
Secured Visa Credit CardAs low as17.99%
Sweep Crouse Visa Credit Card36 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%

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.

Due to Covid- 19

Appointments are required if you need to discuss your application

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 months .99%
Shares on Deposit60 months1.59%
50% Share Secured24 months2.59%
Shares on Deposit48 months2.74%
Secured Credit CardAs low as17.99%

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

Please see below for Credit Union Hours