39 Central Plaza

Ilion, NY 13357

(315) 894-9924

24-Hour Account Access:

M, T, W, F: 9AM-5PM

Thursday: 8AM-6PM

Our Current Rates

Rates effective October 1, 2023

Automobiles & Motorcycles

Automobiles & Motorcycles 2022-2024

Term ARP
1-30 mos.as low as 3.89%
31-42 mos.as low as 5.65%
43-54 mos.as low as 5.65%
55-66 mos.as low as 5.90%
67-72 mos.as low as 6.15%
73-84* mos.as low as 6.39%

Automobiles & Motorcycles 2018-2021

TermAPR
1-30 mos.as low as 4.65%
31-42 mos.as low as 5.90%
43-54 mos.as low as 5.90%
55-66 mos.as low as 6.15%
67-72 mos.as low as 6.30%

Automobiles & Motorcycles 2014-2017

TermAPR
1-30 mos.as low as 7.15%
31-42 mos.as low as 7.30%
43-54 mos.as low as 7.30%
55-60 mos.as low as 7.30%

Recreation Use & Equipment

ATV, Snowmobile, Side by Side, Other

TermAPR
1-60 mos.as low as 4.64%

Boats, Campers and Motorhomes

Boats, Campers and Motorhomes

TermAPR
1-66 mos.as low as 3.89%
67-120 mos.as low as 4.89%
121-180* mos.
as low as 5.89%

Personal Loans

Personal Loans

TermAPR
24as low as 8.15%
36as low as 8.15%
48as low as 9.15%
60as low as 9.15%

Share Secured

Share Secured

TermAPR
1-36 mos.3.65%
37-604.15%

The aggregate of unsecured credit per member may not exceed $10,000
Total consumer loans may not exceed $150,000
When two people are signing on a note, we add the two rates and divide by 2 to get the rate.
Rates will vary based on credit score.
Some restrictions apply.

All rates are Annual Percentage Rate (A.P.R.)

Deposit Rates

Deposit Rates

 RATEAPY
Regular Shares0.25%0.25%
Money Market
($2,500 minimum)
1.00%1.00%
IRA0.40%0.40%
Kids Shares0.25%0.25%
Club Shares0.25%0.25%

Share Accounts
APY=Annual Percentage Yield. Dividend are compounded and paid bases on the average daily balance method. The minimum to open a Savings and an IRA is $5.00. Money Market minimum is $2500.00

Certificate of Deposit Rates

Certificate of Deposit Rates

TermsRateAPY
6 months2.50%2.52%
12 months3.60%3.65%
24 months3.00%3.03%
36 months3.00%3.03%
Lucky Savers3.50%3.55%

Share Accounts
APY=Annual Percentage Yield. Dividend are compounded and paid bases on the average daily balance method. The minimum to open a Savings and an IRA is $5.00. Money Market minimum is $2500.00