(716) 938-6071

(716) 938-6144

100 Fair Oak Street, Little Valley, NY 14755

 

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Current Rates

Share Rates

Account Type Rate APY*
Regular Share (Savings) 0.25% 0.25%
Share Certificates
1 year 0.75% 0.75%
2 years 1.00% 1.01%

Loan Rates

Loan Type Term (up to) APR* (as low as)
Auto & Motorcycle Loans (2016 & Newer) 36 months 2.25%
Rates are based on credit history and term 48 months 2.40%
60 months 2.40%
72 months* 2.40%
84 months* 3.25%
Must be $25,000 and above for 72 or 84 month terms.
Auto & Motorcycle Loans (2012 - 2015) 36 months 2.75%
Rates are based on credit history and term 48 months 2.75%
60 months* 2.75%
72 months 3.25%
*C, D & E credit scores maximum term of 60 months
Auto and Motorcycle Loans (2011 and older) 36 months 4.75%
Rates are based on credit history and term 48 months* 4.75%
60 months 5.25%
Unsecured Loans 36 months 6.25%
60 months 7.25%
Rates are based on credit history and term
Credit Builder 9 - 18 months 3%+ savings rate
$250 up to $1,500
Funds deposited in separate share (savings) account. As loan pays down, the funds would be available. Limit one loan per member.
Recreational Loans (2017 and Newer) 36 months 4.75%
Rates are based on credit history and term 37 - 72 months* 5.25%
ATVs Boats, Campers, Dirt Bikes, RVs & Snowmobiles 73 - 120 months** 6.25%
* C, D & E credit scores maximum term of 72 months
** Campers, RVs & Boats over $30,000 and above for 73 - 120 month terms
Recreational Loans (2016 and older) 36 months* 6.25%
Rates are based on credit history and term 37-72 months 7.50%
C, D & E credit scores maximum term of 36 months
Home Equity Loans (fixed rate) 60 months 3.75%
Rates are based on credit history and term 61 - 120 months 4.25%
121 - 180 months 4.75%
* A & B credit scores can borrow up to 85% of the appraised value. C credit scores can borrow up to 80%. D & E can borrow up to 70% of the appraised value.
Share Secured Loans
Share (Savings) 60 months 3%+ savings rate
61 - 84 months 4%+ savings rate
Term Share Certificate 60 months 3%+ savings rate

* APR refers to the Annual Percentage Rate. All rates are based on credit history and term. Rates are subject to change without notice. LIFE AND DISABILITY INSURANCE IS AVAILABLE AT COST TO MEMBER. Please include 1 months worth of recent pay stubs with all loan applications for the applicant and joint applicant if applicable.