Current Rates

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Current Rates 2017-07-19T17:24:10+00:00

TSC & IRA RATES

Rates Effective as of 7/17/17
(*Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal)

CERTIFICATE NAME

DIVIDEND RATE

APY

3-month TSC 0.45% 0.45%
6-month TSC 0.65% 0.65%
1-year TSC 1.10% 1.11%
18-month TSC 1.20% 1.21%
2-year TSC 1.30% 1.31%
30-month TSC 1.45% 1.46%
3-year TSC 1.50% 1.51%

ROTH IRA’S

DIVIDEND

APY RATE

1-year Roth IRA TSC 1.10% 1.10%
18-month Roth IRA TSC 1.20% 1.21%
2-year Roth IRA TSC 1.30% 1.31%
30-month Roth IRA TSC 1.45% 1.46%
3-year Roth IRA TSC 1.50% 1.51%

ROTH CONVERSION IRA’S

DIVIDEND

APY RATE

1-year Roth Conversion IRA TSC 1.10% 1.10%

TRADITIONAL IRA’S

DIVIDEND

APY RATE

1-year IRA TSC 1.10% 1.10%
18-month IRA TSC 1.20% 1.21%
2-year IRA TSC 1.30% 1.31%
30-month IRA TSC 1.45% 1.46%
3-year IRA TSC 1.45% 1.46%
1-year Traditional Conduit IRA TSC 1.10% 1.10%

COVERDELL EDUCATION IRA

APR

APY

$1,500 – $4,999 0.45% 0.45%
$5,000 – $9,999 0.45% 0.45 %
$10,000 – $24,999 0.50% 0.50%
$25,000 – $49,999 0.50% 0.50%
$50,000 and over 0.50% 0.50%

SHARES

APY

Shares 0.45% (Minimum balance $100.00)
Clubs 0.45% (Minimum balance $100.00)

MONEY MARKETS

APY

Tier 1 ($1,500 <= $4,999.99) 0.45%
Tier 2 ($5,000 <= $9,999.99) 0.45%
Tier 3 ($10,000 <= $24,999.99) 0.50%
Tier 4 ($25,000 <= $49,999.99) 0.50%
Tier 5 ($50,000 & up) 0.50%

*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 are variable rate accounts and the rate may change after the account is opened.  Rates are subject to change at anytime for variable rate accounts.

Calculate Loan Payment

LOAN RATES

Rates Effective as of 6/1/17

MORTGAGES

Terms APR Restrictions
Call Andrea (315)471-4621 Click here for updated daily rates from OwnersChoice Funding
1st Mortgages, 2nd Homes, Refinances, investment Property, and more.

HOME EQUITY

3.00% APR – 60 months
4.00% APR – 120 months
5.00% APR – 180 monhts
Up to 80% of appraised value (less liens)

HOME EQUITY LINE OF CREDIT

Variable rate based on Prime Rate
Current Rate is 6.00% APR
Special Introductory APR is 3.99% APR for 6 months.
Up to 80% of appraised value (less liens)
*Rate may change after account is opened
Maximum APR is 18.00%

SHARE SECURED

Terms APR Restrictions
Up to 60 months 6.00% 60 months
61 months to 120 months 7.00% 120 months

PERSONAL LOANS

Terms APR Restrictions
36 months – as low as 5.75% 36 months
37 months + as low as 6.75% 60 months

AUTO, MOTOCYCLES, & TOYS (ATV’S, SNOWMOBILES, JET SKIS, CAMPERS & TRAILERS)

Terms APR Restrictions
Up to 36 months as low as 1.50% Loan to value and term restrictions may apply.
New: 2015 – 2016 Used: 2015 – older
37 months – 48 months as low as 1.75% Loan to value and term restrictions may apply.
New: 2015 – 2016 Used: 2015 – older
49 months – 60 months as low as 2.00% Loan to value and term restrictions may apply.
New: 2015 – 2016 Used: 2015 – older
61 months – 72 months as low as 2.50% Loan to value and term restrictions may apply.
New: 2015 – 2016 Used: 2015 – older

NEW BOAT, MOTORHOME, RV & FIFTH WHEEL LOANS

Terms APR Restrictions
up to 60 months as low as 3.00%
61 – 84 months as low as 4.00%
85 – 120 months as low as 4.50%
121 – 144 months as low as 5.00%
145 – 180 months as low as 5.50% Boat loans only

USED BOAT, MOTORHOME, RV & FIFTH WHEEL LOANS

Terms APR Restrictions
up to 60 months as low as 3.75%
61 – 84 months as low as 4.75%
85 – 120 months as low as 5.25%
121 – 144 months as low as 6.00%
145 – 180 months as low as 6.25% Boat loans only

OVERDRAFT LINE OF CREDIT

Terms APR Restrictions
12.00% maximum $1,000

STUDENT LOANS

Visit our partner, Sallie Mae for options and details!

*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.