(607) 733-1304 | 519 Hart Street Elmira, NY 14905 | View Holiday Schedule | Like Us on Facebook | TikTok
Effective 9/28/2026
Auto & Motorcycle Loans
NEW – 2025 or newer
| Term | APR* (as low as) |
| Up to 48 months | 4.00% |
| Up to 60 months | 4.50% |
| Up to 72 months | 5.00% |
| Up to 84 months | 5.75% |
USED – 2014 – 2024
| Term* | RATE** (as low as) |
| Up to 84 months | 4.75% |
*Term dependent on year and mileage of collateral
**Rate determined by credit score
RV, Snowmobile, ATV, Jet Ski, Boar, Camper, Misc.
| Term* | RATE** (as low as) |
| Up to 120 months | 6.25% |
*Term dependent on amount financed and year of collateral
**Rate determined by credit score
Home Equity Loan
| Term | RATE* (as low as) |
| Up to 180 months | 5.00% |
Rate* determined by current lien position AND credit score
The maximum amount to be financed cannot exceed 80% of the appraised value of the home (to be determined by the CU’s appraiser) less any existing HE or mortgages.
Ex. Appraised Value:$100,000 x 80% = $80,000
Mortgage w/ XYZ CU -$30,000
Available Equity = $50,000 available to finance
Personal Unsecured Loan
Borrow between $500 and $8,000
| Term* | RATE** (as low as) |
| Up to 60 months | 6.00% |
*Term dependent on amount borrowed
**Rate determined by credit score
Borrow between $8,001* and $12,000*
| Term | RATE** (as low as) |
| Up to 60 months | 8.50% |
*Amounts in excess of $8,000 require an A or A+ credit rating
**Rate determined by credit score
Promissory Note
Borrow up to 90% of the incoming funds (ex. tax refund, settlement, etc.)
| Term | RATE (as low as) |
| Up to 3 months | 15.00% plus a $30 loan fee |
Credit Builder Loan
Borrow $1,000 with biweekly or monthly payments to help build or re-establish credit
| Term | RATE (as low as) |
| Must be 12 months | 15.00% plus a $30 loan fee |
Visa
| RATE* (as low as) |
| 9.90% |
*Rate determined by credit score