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The following rates are effective as of:
June 23, 2010
LOAN RATES
Checking account holders get a .25% - .35% Annual Percentage Rate discount on most loans.
Call (518) 783-2211 for more information.
Car, Truck, Motorcycle, RV, Boat & Seasonal Vehicle Loans
2007-2010 |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
24 |
3.625% |
$43.26 |
36 |
3.875% |
$29.47 |
48 |
4.125% |
$22.64 |
60 |
4.875% |
$18.82 |
72 |
5.375% |
$16.29 |
84 |
6.125% |
$14.67 |
RV terms to 144 months, Call for rates.
Boat terms to 120 months, Call for rates. |
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Car, Truck, Motorcycle, RV, Boat & Seasonal Vehicle Loans
Used 2003-2006 |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
24 |
4.375% |
$43.60 |
36 |
4.625% |
$29.81 |
48 |
4.875% |
$22.98 |
60 |
5.375% |
$19.05 |
72 |
5.875% |
$16.52 |
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Car, Truck, Motorcycle, RV, Boat & Seasonal Vehicle Loans
Used 2002 |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
24 |
5.625% |
$44.16 |
36 |
5.875% |
$30.37 |
48 |
6.125% |
$23.55 |
* Your rate will depend upon your credit history and the term of your loan.
Rates are subject to change without notice. |
VISA CREDIT CARDS |
Term (Months) |
Annual Percentage Rate * |
Payment based on credit line |
As low as the Prime Rate + 3.99% |
| * Your rate will depend upon your credit history. Rates are subject to change without notice. |
Click here to review our Visa programs including our rewards, business,
young adults and secured cards. |
Line of Credit
$15,000 Maximum
Can be linked to your checking account. |
Term (Months) |
Annual Percentage Rate * |
Payment based on credit line |
As low as 13.50% |
| * Your rate will depend upon your credit history. Rates are subject to change without notice. |
Unsecured Personal Loans
$20,000 Maximum
|
Term (Months) |
Loan Amount |
Annual Percentage Rate* |
Monthly Payment Per $1,000 |
72 |
$20,000 |
10.50% |
$18.79 |
| * Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice. |
Credit Builder Loan
Share Secured Loan
|
Term
(Months) |
Annual Percentage Rate* |
Monthly Payment
Per $1,000 |
18 |
10.50% |
$62.75 |
| * Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice. |
Secured Personal Loans
$25,000 Maximum
|
Term (Months) |
Loan Amount |
Annual Percentage Rate* |
Monthly Payment Per $1,000 |
72 |
$25,000 |
8.50% |
$17.79 |
| * Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice. |
Education Loans
Maximum loan is $15,000 for full-time students and $7,000 for part-time students. Interest-only payment option while in school for full-time students only. |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
144 |
6.00% |
$9.77 |
* Variable rate adjusts quarterly and is calculated by using the Prime Rate as published in the Wall Street Journal plus or minus "a margin". The lifetime rate cap is 18%. Your rate will depend upon your credit history. Rates are subject to change without notice. |
Fixed Rate Home Equity Loans
No closing costs except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000. |
Term (Months) |
Annual Percentage Rate * |
Monthly Payment
Per $1,000 |
60 |
5.625% |
$19.17 |
120 |
5.875% |
$11.05 |
180 |
6.250% |
$8.58 |
240 |
6.500% |
$7.46 |
* Annual Percentage Rate.
Your rate will be based on your credit history and term of your loan. |
One Year Adjustable Rate Home Equity Line
With A Conversion Option
No closing costs, except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000. |
Term (Months) |
Annual Percentage Rate * |
300 |
3.75% |
The initial rate (introductory rate) is variable periodic rate for 12 months. After the initial rate (introductory rate) , the variable periodic rate is calculated using the prime rate as published in the Wall Street Journal plus a margin. The variable rate changes annually. The minimum rate (floor) is 4.75%. The lifetime rate cap is 18%. There is a ten-year draw period with a 15-year repayment period. The current Annual Percentage Rate of 4.75%. After your first anniversary, you may convert any portion of the balance to a Fixed Rate Home Equity. Your rate will depend upon your credit history. Rates are subject to change without notice. |
Three Year Adjustable Rate Home Equity Line
No closing costs, except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000. |
Term (Months) |
Annual Percentage Rate * |
180 |
4.50% |
* Variable periodic rate adjusts every three years and is calculated using the Prime Rate as published in the Wall Street Journal plus or minus a margin. The floor, (the lowest the Annual Percentage Rate will be) is 4.75%. The lifetime rate cap is 18%. There is a six-year draw period. Your rate will depend upon your credit history. Rates are subject to change without notice. |
Your interest cost may be tax-deductible. Consult your tax advisor for more information.
CLICK HERE FOR
CURRENT MORTGAGE RATES
Call (518) 783-2211 for more information.
SAVINGS DIVIDEND RATES – Effective as of June 23, 2010
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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$0 - $2,499.99 |
0.00% |
0.00% |
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$2,500.00 |
.25% |
.25% |
* Annual Percentage Yield. Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. A monthly $10 fee will be imposed if the account falls below $2,500. Fees could reduce earnings on your account. For more detailed savings account information, call 518-783-2211 to speak to a member service representative. |
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SHARE SAVINGS ACCOUNTS |
Rates also apply to Holiday Clubs, Special
and Vacation Share accounts. |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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$0.00 - $99.99 |
0.00% |
0.00% |
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$100.00 - $2,499.99 |
0.10% |
0.10% |
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$2,500.00 - $9,999.99 |
0.20% |
0.20% |
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$10,000.00 - $49,999.99 |
0.30% |
0.30% |
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$50,000.00 & up |
0.50% |
0.50% |
| * Annual Percentage Yield. Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. For more detailed savings account information, call 518-783-2211 to speak to a member service representative. |
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SCOTTIE SAVERS YOUTH SAVINGS ACCOUNTS |
For children up to age 13. Deposits earn Scottie bucks to redeem for gifts. |
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Term: |
DIVIDEND
RATE |
APY* |
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$0.00 - $2,499.99 |
0.10% |
0.10% |
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$2,500.00 - $9,999.99 |
0.20% |
0.20% |
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$10,000 - $49,999.99 |
0.30% |
0.30% |
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$50,000.00 & UP |
0.50% |
0.50% |
* Annual Percentage Yield. Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. For more detailed savings account information, call 518-783-2211 to speak to a member service representative. |
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IRA SHARE ACCOUNTS |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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$0 -$9,999.99 |
.40 |
.40 |
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$10,000 -$49,999.99 |
.50 |
.50 |
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$50,000.00 & up |
.65 |
.65 |
* Annual Percentage Yield. Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. For more detailed savings account information, call 518-783-2211 to speak to a member service representative. |
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INSURED MONEY MARKET ACCOUNTS |
Withdraw up to 6 times per month.
3 of these can be by checks that you write. |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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$0 - $2,499.99 |
0.00% |
0.00% |
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$2,500.00 - $9,999.99 |
.40% |
.40% |
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$10,000.00 - $49,999.99 |
.50% |
.50% |
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$50,000.00 & up |
.65% |
.65% |
| * Annual Percentage Yield. Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. For more detailed savings account information, call 518-783-2211 to speak to a member service representative. |
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REGULAR SHARE CERTIFICATES (CDs)
REGULAR IRA SHARE CDs |
$ 500 minimum deposit
Also available for IRA deposits.
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Bonus rate for deposits of $50,000 and over for terms of 12 months or longer.
If you have Energized Checking, you’re entitled to a bonus rate of .25%
for terms of 12 months or longer.
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Term |
DIVIDEND
RATE |
APY* |
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6 months |
.60% |
.60% |
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12 months |
.70% |
.70% |
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24 months |
1.24% |
1.25% |
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36 months |
1.73% |
1.75% |
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48 months |
2.22% |
2.24% |
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60 months |
2.46% |
2.49% |
* Annual Percentage Yield. Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. A penalty will be imposed for early withdrawal on certificates, including IRA certificates. For more detailed savings account information, call 518-783-2211 to speak to a member service representative. |
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MEMBER SELECT CERTIFICATES (CDs)
MEMBER SELECT IRA CDs |
You select the term. $5,000 minimum opening deposit.
Bonus rate for deposits of $50,000 and over.
If you have Energized Checking, you’re entitled to a bonus rate of .25%. |
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Term |
DIVIDEND
RATE |
APY* |
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15 months |
.70% |
.70% |
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18 months |
.70% |
.70% |
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21 months |
.99% |
.99% |
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30 months |
1.24% |
1.25% |
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39 months |
1.98% |
2.00% |
| * Annual Percentage Yield. Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. A penalty will be imposed for early withdrawal on certificates, including IRA certificates. For more detailed savings account information, call 518-783-2211 to speak to a member service representative. |
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SCOTTIE SAVERS/MONEY RULES! SHARE CERTIFICATE (CD) |
For MoneyRules! members ages up to 17.
$100 minimum opening deposit.
Make deposits at any time up to $30,000 per term.
After your 18th birthday, the CD will earn the regular one-year rate. |
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For Average Daily Balances between: |
DIVIDEND
RATE |
APY* |
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1 Year |
.95% |
.95% |
| * Annual Percentage Yield. Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. A penalty will be imposed for early withdrawal on certificates. For more detailed savings account information, call 518-783-2211 to speak to a member service representative. |
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