Rates
TSC & IRA Rates
(*Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal)
Certificate Name |
Dividend Rate |
APY |
| 3-month TSC | 0.60% | 0.60% |
| 6-month TSC | 0.70% | 0.70% |
| 1-year TSC | 1.00% | 1.00% |
| 18-month TSC | 1.05% | 1.06% |
| 2-year TSC | 1.10% | 1.11% |
| 30-month TSC | 1.40% | 1.41% |
| 3-year TSC | 1.50% | 1.51% |
Roth IRA's |
Dividend |
APY Rate |
| 1-year Roth IRA TSC | 1.00% | 1.00% |
| 18-month Roth IRA TSC | 1.05% | 1.05% |
| 2-year Roth IRA TSC | 1.10% | 1.10% |
| 30-month Roth IRA TSC | 1.40% | 1.41% |
| 3-year Roth IRA TSC | 1.50% | 1.51% |
Roth Conversion IRA's |
Dividend |
APY Rate |
| 1-year Roth Conversion IRA TSC | 1.00% | 1.00% |
Traditional IRA's |
Dividend |
APY Rate |
| 1-year IRA TSC | 1.00% | 1.00% |
| 18-month IRA TSC | 1.05% | 1.05% |
| 2-year IRA TSC | 1.10% | 1.10% |
| 30-month IRA TSC | 1.40% | 1.41% |
| 3-year IRA TSC | 1.50% | 1.51% |
| 1-year Traditional Conduit IRA TSC | 1.00% | 1.00% |
Coverdell Education IRA |
APR |
APY |
| $1,999 or less | 0.70% | 0.70% |
| $2,000 - $4,999 | 0.80% | 0.80% |
| $5,000 - $9,999 | 0.90% | 1.0.90% |
| $10,000 - $49,999 | 0.95% | 0.95% |
| $50,000 and over | 1.00% | 1.00% |
Shares |
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APY |
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| Shares | 0.55% (Minimum balance $100.00) | |
| Clubs/Escrow | 0.55% (Minimum balance $100.00) | |
Money Markets |
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APY |
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| Tier 1 ($1,500 <= $4,999.99) | 0.55% | |
| Tier 2 ($5,000 <= $9,999.99) | 0.55% | |
| Tier 3 ($10,000 <= $24,999.99) | 0.60% | |
| Tier 4 ($25,000 <= $49,999.99) | 0.70% | |
| Tier 5 ($50,000 & up) | 0.80% | |
*APY = Annual Percentage Yield
*APR = Annual Percentage Rate
Rates are current as of the date posted above and are subject to change without notice. For share and club savings accounts, a minimum balance of $100.00 in required to earn dividends. Money Market accounts is a variable rate account and rates are subject to change at any time. Variable Rate accounts, the rate may change after the account is opened.
Loan Rates
Rates Effective as of 03/01/13
Mortgages |
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| Terms | APR | Restrictions |
| Call Andrea (315)471-4621 | Click here for updated daily rates from CUC Mortgage |
1st Mortgages, 2nd Homes, Refinances, investment Property, and more. |
Home Equity |
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| Fixed Rate of 6.00% APR | Up to 80% of appraised value (less liens) | |
Home Equity Line of Credit |
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| Variable rate based on Prime Minimum 6% APR 6 mo. introductory rate of 3.99% | Up to 80% of appraised value (less liens) *Rate may change after account is opened |
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Share Secured |
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| Terms | APR | Restrictions |
| 59 months - | 6.00% | 59 months |
| 60 months + | 7.00% | 120 months |
Personal Loans |
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| Terms | APR | Restrictions |
| 36 months - | as low as 6.50% | 36 months |
| 37 months + | as low as 7.50% | 60 months |
Auto, Motocycles, & Toys (ATV's, snowmobiles, jet skis, campers & trailers) |
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| Terms | APR | Restrictions |
| Up to 36 months | as low as 2.00% | Loan to value and term restrictions may apply. New: 2011 - 2012 Used: 2004 - 2010 |
| 37 months - 48 months | as low as 2.50% | Loan to value and term restrictions may apply. New: 2011 - 2012 Used: 2004 - 2010 |
| 49 months - 60 months | as low as 3.00% | Loan to value and term restrictions may apply. New: 2011 - 2012 Used: 2004 - 2010 |
| 61 months - 72 months | as low as 3.50% | Loan to value and term restrictions may apply. New: 2011 - 2012 Used: 2004 - 2010 |
Boat Loans |
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| Terms | APR | Restrictions |
| 180 months | as low as 6.50% | 180 months |
Motorhome Loans |
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| Terms | APR | Restrictions |
| 144 months | as low as 4.00% | 144 months |
Overdraft Line of Credit |
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| Terms | APR | Restrictions |
| 12.00% | maximum $1,000 | |
*APR = Annual Percentage Rate
Rates are current as of the date posted above and are subject to change without notice. Factors such as credit history, loan term and loan collateral will determine the Annual Percentage Rate you receive. 'As low as" interest rates listed include a .25 basis point reduction for loans paid by direct deposit. Variable Rate accounts, the rate may change after the account is opened. Fees could reduce the earnings on your account.
Not responsible for typographical errors.