Our Mission

"To meet our members needs for quality financial services and to provide those services in a professional, convenient and efficient manner while maintaining financial stability."

Savings Rates

Effective 6/30/2014

* The Annual Percentage Yield assumes that dividends are to be added to principal.
** For members under 18, the minimum balance to obtain Annual Percentage Yield is $5   
*** Kids under 16 Certificate maximum is $500. Limit one Kids under 16 Certificate per child account. 
****Relationship Rate

Dividend Rate and Annual Percentage Yield as of last dividend declaration date 6/30/2014.

Early Withdrawal Penalties - We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be calculated on the amount withdrawn and will equal 45 days' dividends for certificates with stated maturities of 90 days, 90 days' dividends for certificates with stated maturities of 6 months and 1 year, and 180 days' dividends for certificates with stated maturities of 2 1/2 years and 5 years. There is no penalty on IRA certificates for IRA owners 59 1/2 years of age or older.                                                        

Current dividend rates will be quoted upon request (call 607-724-5876) or at the time of opening an account.

 

Account Type

Minimum Balance to Open Minimum Balance to Obtain APY Dividend Rate Annual Percentage Yield (APY)*
Regular Savings** $5 $150 - & Up .10% .10%
Checking N/A N/A N/A N/A
Money Market $2,500 $2,500  .30% .30%
Club Account N/A $5 - & Up .10% .10%
IRA Savings $5 $5 .25% .25%
Mortgage Escrow N/A $.01 - Up .10% .10%
Certificates / IRA Certificates

Minimum Balance to Open    

Minimum Balance to Obtain APY        

Dividend Rate

Annual Percentage Yield (APY)*          

90 Day $500 $500 0.25% 0.25%
6 Month $500 $500 0.35% 0.35%
1 Year $500 $500 0.45% 0.45%
2 1/2 Year $500 $500 0.90% 0.90%
5 Year $500 $500 1.80% 1.81%
Kids Under 16 $100 $100 1.50% 1.51%

Loan Rates

Check out our competitive loan rates and save. APR = Annual Percentage Rate.

LOAN TYPE

Approx.
TERM in Months

Non-Variable
 APR A+**

VARIABLE APR**

COMMENTS

Signature/Personal**Loan

 

up to Approx
60 mos

6.90.%

n/a
n/a

-$10,000 max. total 
(loans + Visa + LOC)

Home Advantage** Loan

Approx 84 Approx 120  

6.90% 
7.90%

n/a
n/a

-$15,000 max total
-member pays all fees
-100% available equity

New Auto**Loan
(108% Financing)

Approx 60 
Approx 72

1.89%
2.59%

n/a
n/a

2011 to new 
2011 to new 

Used Auto**Loan
(NADA + tax)

Approx 60 
Approx 72

1.89%
2.59%

n/a
n/a

model yr 2007 - 2012 
model yr 2007 - 2012

Approx 36
Up to 60

4.95% 
5.50%

n/a
n/a

model yr 2005 - 2006
model yr 2005 - 2006

Home Advantage** / Auto Loan

Approx 66 
Approx 72

5.94%
6.94%

n/a
n/a

-passenger vehicles only
-new and up to 2 years old

Approx 60 
Approx 84
Approx 120

7.99%
8.99% 
9.99%

n/a
n/a
n/a

-recreational vehicles only
-new and up to 2 years old

New RV** Loan
(108% Financing)

Approx 60 
Approx 84 
Approx 120

3.49%
4.49%
5.49%

n/a
n/a
n/a

-campers, ATVs, motorcycles...
-cycles under $10,000-48mo.
-cycles over $10,000-72mo.

Used RV** Loan
(NADA + tax)

Approx 60 
Approx  84

3.90%
4.90%

n/a
n/a

-campers, ATVs, motorcycles
-cycles under $10,000-48mo.
-cycles over $10,000-60mo.

Line of Credit (LOC) Overdraft Protection

open end

14.50%

n/a

-$5,000 max.
-if joint checking, both sign LOC appl.

Savings Secured Loan

up to 120

n/a

n/a

-current rate plus 4.00%

Certificate Secured Loan

up to 120

n/a

varies

-current rate plus 4.00%

VISA Classic Credit Card

revolving

12.90%

n/a

-$10,000 max.
rate available on purchases and balance transfers

VISA PLATINUM Credit Card*

revolving

n/a

7.25% -17.25%

Variable rate based on credit worthiness.

First Mortgage**

up to 360

yes

n/a

Call for rates

Home Equity LOC

up to 180

1.99% (1st 6 months)

Prime (yrs 2-15)

-up to 80% LTV
-fixed rate for 6 months
-after 6 months , variable rate of Prime 
-application fee $199 refunded at closing

Home Equity LOC (Prime + .50%)

up to 180

1.99% (1st 6 months)

Prime+.50%
(yrs 2-15)

-up to 90% LTV
-fixed rate for 6 months
-after 6 months, variable rate of Prime +.50%
-application fee $199 refunded at closing

Home Equity LOC (Interest Only)

up to 180

1.99%

Prime +0% (yrs 2-15)

-up to 80% LTV
-fixed rate for 6 months
-after 6 months., variable Prime +0%,
-application fee $199 refunded at closing
-interest-only payments first 10 yrs., repayment last 5 yrs.

Fixed Rate, Closed End Home Equity Loan

up to 5 years

3.50%

n/a

-up to 80% LTV
-member pays all the closing costs

Fixed Rate, Closed End
Home Equity Loan

up to 120 
up to 180

4.25%
4.75%

n/a

-up to 80% LTV
-Loans $25,000 and over have an attny fee of $400, $250 payable by the member and $150 paid by the CU.  Loans over $50,000 member will pay the mortgage tax (3/4% of 1% of the amount borrowed)

 Second/Vacation Home**

 360

 YES

 n/a

 Call for rates

* Some loan rates are based on credit worthiness and relationship discounts.
** Home Owner loan products may offer tax advantages, please consult a tax advisor
***Up to 80% of your home's equity. ****Up to 90% of your home's equity.
Effective Date 6/30/2014