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


(A+) 730 - up

(A) 680 - 729

(B) 679 - 630

(C) 629 - 600

(D) 599 - Down

Loan Buy Back Special! – Bring us your loan from another financial institution and we will REDUCE that rate by 0.50%


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


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

View all loan rates

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.