As of June 19, 2013

MORTGAGES APR*

15 Years or Less Please contact the credit union at (716) 326-3858

15 - 30 Years Please contact the credit union at (716) 326-3858

HOME EQUITY LOANS APR* As Low As

Home Equity 5.00% Variable

AUTO LOANS APR* As Low As

2010 - 2013

Up To 36 Months 1.99%

Up To 48 Months 2.24%

Up To 60 Months 2.24%

Up To 72 Months 2.99%

Up To 84 Months (Conditions Apply) 4.50%

2009 & Older

Up To 36 Months 4.00%

Up To 48 Months 4.25%

Up To 60 Months 4.25%

PERSONAL LOANS APR* As Low As

Up To 60 Months 8.50%

SECURED LOANS APR* As Low As

Titled Secured** 6.75%

Other Secured*** 6.75%

VISA CREDIT CARD - No Annual Fees APR* As Low As

Click here to see rates, limits, and card types available

* APR=Annual Percentage Rate. All rates based on credit worthiness. Rates subject to change without notice.

** Titled (secured) loans usually include: newer boats, tractors, snowmobiles, RVs, ATVs, jet skis, mobile homes, and any other similar item that has a legal title.

*** Other secured loans are any loans that can be collaterailized by placing a security interest or "lien" aganst it through a NYS Uniform Commercial Code (UCC) designation. This designation gives the credit union the right to the property should the loan go into default. Other secured loans usually include compter equipment and older boats, tractors, snowmobiles, RVs, ATVs, jet skis, and mobile homes.