| Loan Type |
Amount Financed |
Terms Available
(years) |
APR*
(%) |
Variable APR*
(%) |
Est. Payment per mo/per $1,000 borrowed |
| Signature/All Purpose |
30% of gross income up to $25,000, including all unsecured debt ($10,000 out of NY State) |
5
4
3
2
1 |
14.90
13.90
12.90
11.90
10.90 |
|
$25.68 E
$29.13 E
$35.42 E
$48.73 E
$89.99 E |
| Signature Line-of-Credit |
|
3 |
12.90+ |
|
$35.42 E |
| Share Draft Loan Protection |
|
3 |
13.90+ |
|
$35.92 E |
| Share Secured |
100% of account balance |
4 |
3.90+ |
|
$24.17 E |
| Certificate Secured |
100% of account balance |
7 |
|
Cert. Rate + 1* |
|
| Stock Secured |
Up to 60% of Market Value
Up to 80% of Market Value |
3
5
5 |
7.00
8.00
|
10.00* (Index+4) floor
|
$32.55 E
$22.04 E
|
Boat / Camper / Motor Home
Over 20k requires appraisal |
90% financing on New, 85% on Used |
5
10
15 (over $30K) |
6.90
7.90
8.90 |
|
$21.49 E
$14.06 E
$12.33 E |
New and Used Mobile Home
(2008-2000) |
85% of the Appraised Value |
5
10
15 (over $30K) |
|
10.00* (Index+6)
10.00* (Index+7)
10.00* (Index+8)
|
|
| Variable Rate - All Other Secured- Snowmobiles, ATV's |
Credit score determines the % of financing. 725+=110%, 724-625 = 100%, 624 or less 90% |
3
5
|
7.75
8.75
|
10.00* (Index+7)
10.00*(Index+8)
|
$32.89 E
$22.41 E
|
|
All-Purpose Home Equity
No Closing Cost**
($5,000 - $100,000)
|
85% loan-to-value |
5
10
15 (Min $25k)
|
6.50+
7.50+
8.50+
|
|
$21.23 E
$13.83 E
$12.06 E
|
Land Purchase Loan
($3,000 - $25,000) |
65% loan-to-value for undeveloped. 75% for partially developed. |
3
5
7
10 (Over $15k)
|
9.50+
10.50+
11.50+
12.50+
|
|
$33.75 E
$23.33 E
$19.36 E
$16.82 E |
Equity Enhancement Loan
($5,000 - $50,000) |
up to 105% loan-to-value % determined by credit score |
5
7
10 |
7.25+
8.25+
9.25+ |
|
$21.66 E
$17.57 E
$14.84 E |
Revolving Home Equity LOC
($15,000 - $100,000)
|
80% loan-to-value
|
15/15 |
|
(Prime)
5.00%* Floor
|
1.00% E
|
| Classic VISA |
$500 - $5,000 |
|
12.90* |
|
3% of balance |
| Platinum VISA |
$5,000 - $25,000 Balance transfer rate is 9.79% from another institutions card |
|
|
(Prime + 3.9)=8.90%*Floor |
2% of balance |