299 West Avenue Albion, NY 14411
Phone: (585) 589-5286   Fax: (585) 589-1320

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Loan Rates

APR represents Annual Percentage Rate
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Tiers:ABCD

Loan Type 690 + 640-689 600-639 < 600
New Auto Loans 2.99% 3.99% 5.99% 9.50%
Used Auto Loans 3.99% 4.99% 6.99% 11%
Personal Loans 7.0% 8.0% 10.0% 14.50%
Miscellaneous Secured Loans 6.00% 7.00% 9.00% 11.50%
Share Secured Loans 3.00% 3.00% 3.00% 3.50%

New vehicles may be taken out for 66 months at rate plus ½ percent.
New vehicles over $25,000.00 may be taken out for 72 months at rate plus 1.5 percent.
Used Vehicles – current year and previous five (5) years can be taken out for 5-year terms, any older vehicles are 4-year terms.
Miscellaneous Loans are for ATVs, Snowmobiles, Lawn Mowers / Tractors, Jet Skis.

Closed-End Home Equity Pricing

7-Year 10-Year 15-Year
Tier 80% LTV 80% LTV 80% LTV
A 4.25% 4.50% 4.75%
B 5.25% 5.50% 5.75%
C 6.25% 6.50% 6.75%
D 8.25% 8.50% 8.75+%

When two members co-apply, the higher of the two scores is used to determine the rate.
When there is a co-signer, the primary borrower’s score is used to determine the rate.
When there is no risk score, the “C” rate will be used.

Camper, Boat, and RV Loans

A 48-60 61-84 85-120 121-144
$10,000 – $14,999 4.50% 4.75%
$15,000 – $24,999 3.75% 4.00% 4.25%
$25,000 – $49,999 3.50% 3.75% 4.00% 4.25%
$50,000 – $74,999 3.25% 3.50% 3.75% 4.00%
B 48-60 61-84 85-120 121-144
$10,000 – $14,999 4.75% 5.00%
$15,000 – $24,999 4.00% 4.25% 4.50%
$25,000 – $49,999 3.75% 4.00% 4.25% 4.50%
$50,000 – $74,999 3.50% 3.75% 4.00% 4.25%
C 48-60 61-84 85-120 121-144
$10,000 – $14,999 6.75% 7.00%
$15,000 – $24,999 6.00% 6.25% 6.50%
$25,000 – $49,999 5.75% 6.00% 6.25% 6.50%
$50,000 – $74,999 5.50% 5.75% 6.00% 6.25%
D 48-60 61-84 85-120 121-144
$10,000 – $14,999 8.75% 9.00%
$15,000 – $24,999 8.00% 8.25% 8.50%
$25,000 – $49,999 7.75% 8.00% 8.25% 8.50%
$50,000 – $74,999 7.50% 7.75% 8.00% 8.25%
  • New Autos are defined as current model year and previous model year
  • Vehicles over $25,000 may be taken out for 72 months at rate + .5%
  • Used Vehicles older than 5 years can be taken out for 4 years terms
  • Misc. Loans are for ATV’s, snowmobiles, lawn mowers, tractors, jet skis, and campers without a title
  • When 2 members co-apply, the higher of the scores is used to determine the rate
  • When there is a co-signer, the primary borrower’s score is used to determine the rate
  • When there is no credit score, the “C” Rate will be used
  • *** A=690+   B=640-689   C=600-639   D=<600