2525 Military Rd Niagara Falls, NY 14304 (716) 236-7678 Office Hours: Monday – Friday: 9:00am – 4:30pm Holiday Schedule 2019

Loan Rates 1st Quarter 2019

(A+) 730 - up

(A) 680 - 729

(B) 679 - 630

(C) 629 - 600

(D) 599 - Down


Small Holiday loans Now Available at 1% off unsecured rates, Contact the Credit Union for More Information

Type Term APR
New Car and Motorcycle (2018 and 2019) Up to 48 months As low as 3.24%
- Up to 60 months As low as 3.49%
- Up to 72 months As low as 3.74%
Used car and motorcycle (2016 - 2018 Models. Wholesale minus 1.00%) Up to 60 months As low as 5.24%
2016 - 2018 Models (Retail add 1.00%) Up to 72 months As low as 5.49%
Used car and motorcycle (2012 - 2015. Wholesale minus 1.00%) Up to 48 months As low as 6.24%
Used car and motorcycle (2012 - 2015. Wholesale minus 1.00%) Up to 60 months As low as 6.49%
Used car and motorcycle (2009 - 2011. Wholesale minus 1.00%) Up to 36 months As low as 7.24%
Used car and motorcycle (2009 - 2011. Wholesale minus 1.00%) Up to 48 months As low as 7.49%
Personal Loan Unsecured (C&D max loan term 48 months) 12 - 24 months As low as 7.00%
- 36 months As low as 7.25%
- 48 months As low as 7.50%
- 60 months As low as 7.75%
Personal Line of Credit (C&D max loan term 48 months) 12 - 24 months As low as 8.00%
- 36 months As low as 8.25%
- 48 months As low as 8.50%
- 60 months As low as 8.75%
Credit Builder 12 - 72 months As low as 4.24%
Full Share Loan (Secured) 12 - 72 months As low as 3.24%
New ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 48 months As low as 5.00%
New ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 60 months As low as 5.25%
New ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 72 months As low as 6.00%
New ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 84-144 months As low as 6.25%
Used ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 48 months As low as 5.25%
Used ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 60 months As low as 5.50%
Used ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 72 months As low as 6.25%
Used ATV, Snowmobile, Jet Ski, Boats, Motor Homes, Travel Trailers ONLY GET LONGER TERMS 84-144 months As low as 6.50%
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 8.50%
- 36 months As low as 8.75%
- 48 months As low as 9.00%
- 60 - 72 months As low as 9.25%
Used commercial loan 12 - 24 months As low as 9.50%
- 36 months As low as 9.75%
- 48 months As low as 10.00%
- 60 - 72 months As low as 10.25


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%

Savings Rates


Quarter APR APY
2nd Quarter 2018 .05% .05%
1st Quarter 2018 .05% .05%
4th Quarter 2017 .05% .05%
3rd Quarter 2017 .05% .05%

Christmas Club Rates


Quarter APR APY
4th Quarter 2018 .05% .05%
3rd Quarter 2018 .03% .03%
2nd Quarter 2018 .05% .05%
1st Quarter 2018 .05% .05%

Checking Rates


Quarter APR APY
4th Quarter 2018 .03% .03%
3rd Quarter 2018 .03% .03%
2nd Quarter 2018 .03% .03%
1st Quarter 2018 .03% .03%

Truth in Savings Interest Rates


Quarter APR APY
4th Quarter 2018 .05% .05%
3rd Quarter 2018 .03% .03%
2nd Quarter 2018 .05% .05%
1st Quarter 2018 .05% .05%

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