2525 Military Rd Niagara Falls, NY 14304 (716) 236-7678 Office Hours: Monday – Friday: 9:00am – 4:30pm Holiday Schedule 2020 Like Us on Facebook

Loan Rates 1st Quarter 2020

RV Loan Special! - 12 Month term, 1% off!

Loan Buy Back Special!

Bring us your loan from another financial institution and we will REDUCE that rate by 0.50%

Rate discounts available for First Responders, Veterans and Gap Insurance on Auto loans!

Loan Rates

Type APR
NEW Car and motorcycle As low as 3.24%
Used Models (up to 10 years old) As low as 4.24%
Used Models (older than 10 years) As low as 6.24%
Personal Loan Unsecured As low as 7.00%
Personal Line of Credit As low as 8.50%
Full Share (Secured) As low as 3.24%
New Recreational Vehicles As low as 5.00%
Used Recreational Vehicles As low as 5.25%
Home Equity Loans (Primary residence) As low as 5.50%
Home Equity Loans (Secondary residence) As low as 6.50%

Rates subject to change without notice.



Certificate Rates


Special Certificate Rate Offering
18 month Term at .70%APR (.70%APY)


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

Rates subject to change without notice.

Truth in Savings Interest Rates


Quarter Savings APR/APY Club APR/APY Draft APR/APY
4th Quarter 2019 .05% / .05% .05% / .05% .03% / .03%
3rd Quarter 2019 .05% / .05% .05% / .05% .03% / .03%
2nd Quarter 2019 .05% / .05% .05% / .05% .03% / .03%
1st Quarter 2019 .05% / .05% .05% / .05% .03% / .03%
4th Quarter 2018 .05% / .05% .05% / .05% .03% / .03%

Interest credited quarterly, early withdrawal penalty applies. Rates subject to change without notice. *Annual percentage rates, all loans subject to approval, rates may vary from those listed based on term and credit qualifications. Other rates and terms available. Special promotion rates may apply. Rates and terms are subject to change without prior notice. Please contact the office for more details. (716)236-7678. **Prime rate is 5.50% effective 07/01/2019 as published in the Wall Street Journal. The maximum Annual Percentage Rate that can apply is 18% or the maximum permitted by law, whichever is less. You may pay certain fees to third parties to open the plan. These fees generally total between $300.00 and $2,500.00. If you ask, we will provide you with an itemization of the fees you may have to pay to third parties.