(716) 859-5960   Routing Number: 022083649   Lost or Stolen VISA Debit Card: 1-888-241-2510   Like us on Facebook!

Loan Rates

Updated 05/03/2021



New Auto / Motorcycle Loans

Term APR (as low as)
Up to 48 months 1.75% APR
Up to 60 months 2.00% APR
72 months 2.50% APR

Used Auto / Motorcycle

Term APR (as low as)
Up to 60 months (2016 - 2021) 2.50% APR
72 months (2016 - 2021) 2.75% APR
Up to 48 months (2015 and older) 3.50% APR
60 months (2015 and older) 3.75% APR

Boats and RV Loans

Term APR (as low as)
Up to 72 months 4.99% APR
73 - 120 months(*$15k Min) 7.75% APR
121 - 180 months (*$50k Min) 7.75% APR

Other Loans

Type Term Prime
HELOC ($100,00 7 yr draw) 180 months 4.00% (a)
Unsecured $15k Up to 36 months 6.75% APR
Unsecured $15k 37 to 48 months 7.25% APR
Unsecured $15k 49 to 60 months 7.75% APR
Line of Credit ($10k) N/A 8.75% APR

All rates quoted and listed are APR (Annual Percentage Rate). Rate reflects payment when repaid through payroll deduction on fixed rate loans. Rates reflect what was paid last quarter. All loans subject to approval, rates may vary from those listed based on term and credit qualifications. (a)Rate is based on prime.

Calculate your loan!

Savings Rates

Updated 4/1/2021



Type Amount / Term APR APY
Share Rates $500.01 and up 0.03% 0.03%
Club Rates $100.01 and up 0.03% 0.03%
Money Market Account $2,500.01 - 10,000.00 0.10% 0.10%
- $10,000.00 - 25,000.00 0.15% 0.15%
- $25,000.00 and up 0.20% 0.20%
Certificates of Deposit 1 year $500 minimum 0.15% 0.15%
Certificates of Deposit 2 year $500 minimum 0.20% 0.20%

All deposits are insured up to $250,000 by NCUA, National Credit Union Administration, a U.S. Governmental Agency. Rates reflect what was paid last quarter.*APR = annual percentage rate. APY = annual percentage yield.