2525 Military Rd Niagara Falls, NY 14304 (716) 236-7678 Office Hours: Monday – Friday: 9:00am – 4:30pm

Loan Rates 2nd Quarter 2018


Rate discounts available up to 1.25% on Collateralized Loans! Call today for more information!

Type Term APR
New Car and Motorcycle ( Up to 48 months As low as 3.49%
- Up to 60 months As low as 3.74%
- Up to 72 months As low as 3.99%
Used car and motorcycle (2011 - 2014 Models. Wholesale minus 1.00%) Up to 60 months As low as 5.49%
2015 - 2017 Models (Retail add 1.00%) Up to 72 months As low as 5.74%
Used car and motorcycle (2011 - 2014. Wholesale minus 1.00%) Up to 48 months As low as 6.49%
Used car and motorcycle (2011 - 2014. Wholesale minus 1.00%) Up to 60 months As low as 6.74%
Used car and motorcycle (2008 - 2010. Wholesale minus 1.00%) Up to 36 months As low as 7.49%
Used car and motorcycle (2008 - 2010. Wholesale minus 1.00%) Up to 48 months As low as 7.74%
Personal Loan Unsecured (C&D max loan term 48 months) 12 - 24 months As low as 7.25%
- 36 months As low as 7.50%
- 48 months As low as 7.75%
- 60 months As low as 8.00%
Personal Line of Credit (C&D max loan term 48 months) 12 - 24 months As low as 8.25%
- 36 months As low as 8.50%
- 48 months As low as 8.75%
- 60 months As low as 9.00%
Credit Builder 12 - 72 months As low as 4.49%
Full Share Loan (Secured) 12 - 72 months As low as 3.49%
New ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 48 months As low as 5.25%
New ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 60 months As low as 5.50%
New ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 72 months As low as 6.25%
New ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 84-144 months As low as 6.50%
Used ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 48 months As low as 5.50%
Used ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 60 months As low as 5.75%
Used ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 72 months As low as 6.50%
Used ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 84-144 months As low as 6.75%
Home Equity Loan Rates Primary Residence As low as 4.00%
- Second Home / Income As low as 5.00%
New commercial loan 12 - 24 months As low as 8.75%
- 36 months As low as 9.00%
- 48 months As low as 9.25%
- 60 - 72 months As low as 9.50%
Used commercial loan 12 - 24 months As low as 9.75%
- 36 months As low as 10.00%
- 48 months As low as 10.25%
- 60 - 72 months As low as 10.50


Certificate Rates


Special Certificate Rate Offering
18 month Term at .80%APR (.80%APY)


Amount Term APR APY
$25,000.00 and higher 3 years .70% .70%
- 4 years 1.05% 1.05%
- 5 years 1.30% 1.31%
- 18 months .80% .80%
$500 - $24,999 6 months .30% .30%
- 1 year .40% .40%
- 2 years .50% .50%

Savings Rates


Quarter APR APY
4th Quarter 2017 .05% .05%
3rd Quarter 2017 .05% .05%
2nd Quarter 2017 .10% .10%
1st Quarter .10% .10%

Christmas Club Rates


Quarter APR APY
4th Quarter 2017 .05% .05%
3rd Quarter 2017 .03% .03%
2nd Quarter 2017 .05% .05%
1st Quarter 2017 .05% .05%

Checking Rates


Quarter APR APY
4th Quarter 2017 .05% .05%
3rd Quarter 2017 .03% .05%
2nd Quarter 2017 .05% .05%
1st Quarter 2017 .05% .05%

Truth in Savings Interest Rates


APR APY
.05% .05%
.03% .03%
.03% .03%

Interest credited quarterly, early withdrawal penalty applies. Rates subject to change without notice.