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Home Mortgage Loans

  • Competitive rates for home purchase, refinance, or construction
  • A variety of financing programs available
  • Expert Mortgage Loan Officers available to assist with your home financing needs
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Home Equity Loans & Lines

  • Competitive rates for primary or secondary home options
  • The existing equity in your home is used as collateral backing
  • An additional 1/4% (0.25%) rate discount may be possible with a Solvay Bank Direct Rewards Checking, High Interest Checking, and Emerald Checking account
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Home Improvement Loans

  • Competitive rates for home improvements
  • Loans under $30,000 unsecured for qualified applicants
  • Accommodating repayment terms that fit your budget
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Construction Loans

  • Excellent long term interest rate options
  • Borrower and Builder Friendly Draw Schedule
  • Draw Loans and End Loans available
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Auto Loans

  • Competitive rates on new and used vehicles
  • 125% financing available for qualified applicants
  • Maximum term is 84 months depending on year of the vehicle
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Recreational Vehicle (RV) Loans

  • Competitive rates for a wide range of recreational vehicles
  • 90% financing available for qualified applicants
  • Maximum term is 120 months depending on year of the vehicle
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Personal Loans

  • Competitive, fixed rates for a wide variety of personal needs
  • Have funds all up front or access a line of credit as needs arise
  • Quick, local decision-making and processing right here in Central New York
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Checking Lines of Credit

  • Competitive rates for cash flow fluctuations and short-term needs
  • Receive an automatic loan to pay checks and other debits from your Solvay Bank checking account
  • No more overdraft fees or bounced checks
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Manage My Loan

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