Current Rates
Rates and APR* are current as of 01/19/2026 and are subject to change without notice.
New & Used Autos |
Max. Term | APR* |
|---|---|---|
| New 2026-2025 | 48 Months | As low as 4.25% |
| 60 Months | As low as 4.75% | |
| Min $10,000 | 61-72 Months | As low as 5.25% |
| Min $20,000 | 73-84 Months | As low as 5.75% |
| Used 2024-2021 | 48 Months | As low as4.95% |
| 60 Months | As low as 4.95% | |
| Min $10,000 | 61-72 Months | As low as 5.95% |
| Older than 2020 | Up To 60 Months | As low as 8.00% |
| Max. Term | APR* | |
|---|---|---|
| New Recreational Vehicle 2026 - 2025 (Including Motorcycles, ATVs, Boats, Campers, etc.) | 60 Months | As low as 6.50% |
| Min $10,000 | 72 Months | As low as 6.75% |
| Min $20,000 | 120 Months | As low as 7.50% |
| Used Recreational Vehicle 2024 - 2021 (Including Motorcycles, ATVs, Boats, Campers, etc.) | 60 Months | As low as 7.00% |
| Min $10,000 | 72 Months | As low as 7.25% |
| Min $20,000 | 120 Months | As low as 8.00% |
| Used Recreational Vehicle Older than 2020 (Including Motorcycles, ATVs, Boats, Campers, etc.) | 60 Months | As low as 7.75% |
| Unsecured Personal Loan Max $2,500 | 24 Months | As low as 5.49% |
| Unsecured Personal Loan Max $15,000 | 36 Months | As low as 8.50% |
| Unsecured Personal Loan Max $15,000 | 60 Months | As low as 9.50% |
| Secured Personal Loan | 60 Months | 3.25% over shares pledged |
| Line of Credit | 60 Months | As low as 9.50% |
| Home Improvement Loan Max $15,000 | 60 Months | As low as 9.00% |
| Home Equity Loans | Max. Term | APR* |
|---|---|---|
| 61-120 months/121-180 months | 6.50% / 7.00% |
Requirements for Home Equity Loans, home must be located in Oneida County or surrounding counties. Must be owner occupied primary residence for at least 90 days or more. Maximum term is 15 years. No mobile homes. Not a revolving equity line and no variable rates offered at this time. See Manager for application and details.
* APR – Annual Percentage Rate
Dividend Rates
as of 09/2023 and are subject to change without notice
| Account Type | Minimum Opening Deposit | Minimum Balance to Obtain APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| Savings | $25.00 | $50.00 | .25% | .25% |
| Vacation | $25.00 | $50.00 | .25% | .25% |
| Christmas Club** | $25.00 | $50.00 | .25% | .25% |
| Money Market** | $2,000.00 | $2,000.00 | .50% | .51% |
| IRA | $1,000.00 | $1,000.00 | .50% | .51% |
| Share Certificate Accounts | ||||
| 60 Month Term | $1,000.00 | $1,000.00 | 2.47% | 2.50% |
| 24 Month Term | $1,000.00 | $1,000.00 | 2.23% | 2.25% |
| 12 Month Term | $1,000.00 | $1,000.00 | 2.23% | 2.25% |
| 6 Month Term | $1,000.00 | $1,000.00 | 1.49% | 1.50% |
APY* Annual Percentage Yield
** Account withdrawal limitations apply
