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

Loan Rates 3rd Quarter 2019


(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%


Used Auto Loans at New Auto Rates


Holiday Loan Special! - 12 Month term, 1% off Unsecured Rate


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

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) Up to 60 months As low as 4.24%
Used car and motorcycle (2016 - 2018 Models) Up to 72 months As low as 4.49%
Used car and motorcycle (2012 - 2015) Up to 48 months As low as 5.24%
Used car and motorcycle (2012 - 2015) Up to 60 months As low as 5.49%
Used car and motorcycle (2009 - 2011.) Up to 36 months As low as 6.24%
Used car and motorcycle (2009 - 2011) Up to 48 months As low as 6.49%
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) All terms As low as 8.25%
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%

Truth in Savings Interest Rates


Quarter Savings APR/APY Club APR/APY Draft APR/APY
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%
3rd Quarter 2018 .05% / .05% .05% / .05% .03% / .03%

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