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

Loan Rates 3rd Quarter 2017


Type Term APR
New Car and Motorcycle Up to 60 months As low as 3.99%
- Up to 72 months As low as 4.49%
- Up to 84 months As low as 4.99%
Used car and motorcycle (2010 - 2013. Retail add 1.00%) Up to 60 months As low as 4.99%
- Up to 72 months As low as 4.49%
Used car and motorcycle (2007 - 2009. Retail add 1.00%) Up to 48 months As low as 5.95%
Personal Loan / Line of Credit (add 1.00% personal unsecured closed end) 12 - 24 months As low as 8.50%
- 36 months As low as 9.05%
- 48 months As low as 9.55%
- 60 - 72 months As low as 10.05%
Full Share Loan (Secured) 12 - 72 months As low as 2.99%
New ATV, Snowmobile, Jet Ski 12 - 60 months As low as 6.25%
- 72 months As low as 7.25%
Used ATV, Snowmobile, Jet Ski 12 - 60 months As low as 7.25%
New Boat, Motor Home, Travel Trailers 6 - 12 years As low as 6.25%
- 13 - 15 years (over 100,000) As low as 7.25%
Used Boat, Motor Home, Travel Trailers 6 - 12 years As low as 7.25%
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 8.20%
- 36 months As low as 8.75%
- 48 months As low as 9.25%
- 60 - 72 months As low as 9.75%
Used commercial loan 12 - 24 months As low as 9.20%
- 36 months As low as 9.75%
- 48 months As low as 10.25%
- 60 - 72 months As low as 10.75%


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.