Rates
Effective as of: 04/01/2026
| Lending Rates | ||
| Term | APR* as low as | |
| New Auto | 0-35 Months | 5.00% APR* |
| New Auto | 36-48 Months | 5.25% APR* |
| New Auto | 49-60 Months | 5.50% APR* |
| New Auto | 61-75 Months | 5.75% APR* |
| New Auto | 76-84 Months * | 6.00% APR* |
| Used Auto | 0-35 Months | 6.00% APR* |
| Used Auto | 36-48 Months | 6.25% APR* |
| Used Auto | 49-60 Months | 6.50% APR* |
| Used Auto | 61-75 Months * | 6.75% APR* |
| Used Auto | 76-84 Months * | 7.00% APR* |
| * Minimum Amount May Apply. Please call (518) 483-8668 for more information. | ||
| New Recreational Vehicle | 5.50% APR* | |
| Used Recreational Vehicle | 6.00% APR* | |
| Other Collateral | 6.50% APR* | |
| APR* as low as | APY* as low as | |
| Fixed Mortgage and Home Equity Loans | ||
| 5 Year (60 Months) | 4.50% APR* | 4.59% APY* |
| 7 Year (84 Months) | 4.75% APR* | 4.85% APY* |
| 10 Year (120 Months) | 5.0% APR* | 5.11% APY* |
| 15 Year (180 Months) | 5.25% APR* | 5.37% APY* |
| 20 Year (240 Months) | 5.50% APR | 5.64% APY* |
| Vacant Land | ||
| 5 Year (60 Months) | 6.25% APR* | 6.43% APY* |
| 7 Year (84 Months) | 6.50% APR* | 6.69% APY* |
| 10 Year (120 Months) | 6.75% APR* | 6.96% APY* |
| Home Equity Line of Credit | 6.75% APR* | 6.96% APY* |
| Unsecured Signature Loan | ||
| 12 Months | 8.75% APR* | |
| 13 - 24 Months | 9.75% APR* | |
| 25 - 36 Months | 10.75% APR* | |
| 37 - 48 Months | 11.75% APR* | |
| Debt Consolidation Loan | ||
| 12 Months | 9.25% APR* | |
| 13 - 24 Months | 10.25% APR* | |
| 25 - 36 Months | 11.25% APR* | |
| 37 - 48 Months | 12.2% APR* | |
| 49 - 60 Months (5K Plus) | 13.25% APR* | |
| Visa Credit Card | 6.99% APR* | |
| Visa Balance Transfer (For Life of Balance Transfer) | 3.99% APR* | |
| *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change. | ||
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