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APY = Annual Percentage Yield. Rates effective as of May 30, 2024. Fees may reduce earnings.

APR = Annual Percentage Rate. Rates effective as of May 30, 2024. Your APR may vary and will be based on your application and credit information.

Limited Time Specials

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High Interest Checking Special Learn More

Balance  Interest Rate APY* Minimum Daily Balance to Obtain APY Minimum Deposit to Open
up to $15,000  3.93% 4.00% $0.01  $15
above $15,000 0.10% 0.10% - 4.00% $0.01 $15
qualifications not met 0.05% 0.05% $0.01 $15

*Annual Percentage Yield (APY) is accurate as of 04/18/2024. 4.00% APY is for 12 months from account opening if account qualifications and rate tiers are met. Current checking account holders or those who have closed a checking account within the last 90 days are not eligible for this offer. Limit one new checking account per tax ID. Rate may change after promotional period. Account holder must meet the following qualifications each statement cycle to earn rate and ATM refunds: (1) post and clear 12 debit card purchases; (2) post one electronic direct deposit; (3) receive eStatements. At least one electronic direct deposit of salary, pension, or government benefits is required each statement cycle to avoid a $5 monthly maintenance fee. If your daily balance is $15,000 or less, the interest rate will be 3.93% with an APY of 4.00%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $15,000. The APY for this tier will range from 0.10% to 4.00% depending on the balance in the account. If monthly qualifications are not met, the rate will be 0.05% with a 0.05% APY on all balances. Minimum deposit is $15. Fees may reduce earnings. Promotion may end without notice.

Auto Loan Special* Learn More

Loan Type

APR

New Auto - 2023-2025 up to 66 months

6.19%

New Auto - 2023-2025 67 - 72 months

6.49%

New Auto - 2023-2025 73 - 75 months

6.89%

New Auto - 2023-2025 76 - 84 months

7.39%

Used Auto - 2023-2025 up to 66 months

6.39%

Used Auto - 2023-2025 67 - 72 months

6.69%

Used Auto - 2023-2025 73 - 75 months

7.09%

Used Auto - 2023-2025 76 - 84 months

7.59%

Auto - 2021-2022 up to 66 months

6.79%

Auto - 2021-2022 67 - 72 months

7.19%

Auto - 2021-2022 73 - 75 months

7.69%

Auto - 2019-2020 up to 66 months

6.94%

Auto - 2019-2020 67- 72 months

7.34%

Auto - 2019-2020 73 - 75 months

7.84%

Auto - 2017-2018 Up to 48 months

8.49%

Minimum Loan amounts: $2,000 on terms up to 75 months, $25,000 on terms 76-84 months.

*The advertised APR is the lowest available and discounted 0.25% for account holders having an automatic payment deduction plan from a Solvay Bank Direct Rewards Checking, High Interest Checking, Emerald, and Diamond Checking Accounts. Those without an automatic payment deduction plan will need to add an additional 0.25% to the advertised rate. The advertised rate is subject to credit approval based on applicant’s overall credit rating and underwriting criteria.

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application and credit information.

By way of example, for a new AUTO, with a purchase price of $20,000, a 10% down payment equaling $2,000 and an annual percentage rate of 6.19% for 60 months, your monthly payment would be: $349.58. Additional terms and conditions may apply. All rates and terms are subject to change without notice.

New 12-Month CD Special Learn More

Term Interest Rate APY
12 Months* 4.64% 4.75%

New Money Only*

*Annual Percentage Yield (APY) is accurate as of 5/1/2024. Advertised APY applies only to account holders that deposit new money in full that is not on deposit with Solvay Bank in the 90 days prior to the initial CD term.  CD is automatically renewed at a rate determined on the maturity date.  Offer valid on personal and non-personal accounts with the exception of municipal monies. Minimum deposit to open is $2,500 and maximum deposit is $1,000,000.  Penalty may be imposed for early withdrawal.  Other restrictions may apply. Fees may reduce earnings. Promotion may end without notice. Member FDIC.

CD Special Offers Learn More

Term Interest Rate APY
7 Months* 3.92% 4.00%
16 Months* 3.92% 4.00%

*Annual Percentage Yield (APY) is accurate as of 3/13/2024. Advertised rates are subject to change at any time without notice. Minimum deposit to open is $2,500; CD is automatically renewed at a rate determined on the maturity date. Offer valid on personal accounts only. Penalty may be imposed for early withdrawal. Other restrictions may apply. Fees may reduce earnings. Promotion may end without notice. Member FDIC.

Home Equity Loan & Line Specials Learn More

Home Equity Loan 

Term in months Lien APR* APR with Autopay
36 to 60 Months First lien 6.250% 6.000%
36 to 60 Months 2nd lien 7.000% 6.750%
61 to 120 Months First lien 6.750% 6.500%
61 to 120 Months 2nd lien 7.750% 7.500%
121 to 180 Months First lien 7.250% 7.000%
121 to 180 Months 2nd lien 8.500% 8.250%

*Home Equity loans are closed-end, secured loans at a fixed rate of interest. As of 11/20/23, the annual percentage rate (APR) advertised is the lowest APR available and is discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking accounts. The actual rate may vary and is determined by the product, term, loan amount, and your credit qualifications. Additional terms and conditions may apply. Offer is subject to credit approval. Property insurance and, if applicable, flood insurance are required. No closing costs for loans up to $250,000. If you cancel/close your loan within 3 years you must reimburse the bank for any third-party fees such as appraisal, title, taxes, mortgage recording fee, flood fee & credit report fees (ranging from $553.96 - $2,516.04) at the time of cancellation. Loans over $250,000: borrower is responsible for 1.00% mortgage tax. Consult tax advisor for tax deductibility. Rates, terms, and conditions are subject to change without notice. No other discounts may apply.  Member FDIC. Equal Housing Lender.

Typical loan payment examples are as follows. If you borrow $15,000, secured by a first lien for 36 months at 6.250% APR, the monthly payment would be $458.03. If you borrow $15,000, secured by a second lien for 180 months at 8.500% APR, the monthly payment would be $147.71. Additional terms and conditions may apply. The payments do not include taxes and insurance. The actual payment obligation may be higher.

Home Equity Line of Credit (HELOC)

Account Variable Rate Variable annual Percentage Rate(APR)*
Standard Variable Rate1 Prime + 0% 
(8.50% minimum / 15% maximum)
8.50%
Variable Rate Introductory Special2 As low as Prime minus 0.50% for the first 12 months 8.00%
  After Introductory Period, variable rate is Prime minus .25% 8.25%

*Variable APRs stated are current as of 11/17/2023 and can periodically change based on Prime. See below for important information. The current Prime Rate is 8.50%

1The Standard Variable Rate is based upon The Wall Street Journal Prime Rate ("Prime") (8.50% on11/17/2023). Prime may change at any time without notice. If Prime increases or decreases during the Introductory Period, the Introductory Rate and minimum required payment will correspondingly change. APRs are variable and may change monthly, based upon the Prime rate as published in The Wall Street Journal (8.50% on 11/17/2023), but will not exceed 15.00%. Offer is available on first and second liens with a maximum CLTV of 90% on single-family, owner-occupied residences. HELOC is a 10-year open-end draw line with interest-only monthly payments and 15-year fully amortized monthly payments of principal and interest. Offer is subject to credit approval. Property insurance and, if applicable, flood insurance is required. No closing costs for loans up to $250,000. If you cancel/close your line within 3 years you must reimburse the bank for any third-party fees (ranging from $553.96 - $2,516.04) at the time of cancellation. Loans over $250,000: borrower is responsible for 1.00% mortgage tax. Consult tax advisor for tax deductibility. Rates, terms, and conditions are subject to change without notice. No other discounts will apply. NMLS#463170. Member FDIC. Equal Housing Lender.

2The Variable Introductory Rate is based upon The Wall Street Journal Prime Rate ("Prime") (8.50% on 11/17/2023) minus 0.50%. Prime may change at any time without notice. If Prime increases or decreases during the Introductory Period, the Introductory Rate and minimum required payment will correspondingly change. The Variable Introductory Rate reflects a rate discount of Prime minus 0.50% for customers enrolled in Direct Rewards Checking, High Interest Checking, or Emerald Checking with automatic payment at the time the Home Equity Line of Credit (HELOC) is opened. The Variable Rate Introductory Offer is applicable to all funds withdrawn from the line of credit during the 12 month Introductory Period beginning from the date the HELOC is opened. After the Variable Rate Period ends, any and all remaining balances will automatically convert to the Variable Rate of the Prime Minus 0.25%, if a Direct Rewards Checking, High Interest Checking, or Emerald Checking account with automatic payment is maintained. If Prime increases or decreases, the Variable Rate and minimum required payment will correspondingly change. Other APRs apply without a Direct Rewards Checking, High Interest Checking, or Emerald Checking account with automatic payment. APRs are variable and may change monthly, bases upon the Prime rate as published in The Wall Street Journal (8.50% on 11/17/2023), but will not exceed 15.00%. Offer is available on first and second liens with a maximum CLTV of 90% on single-family, owner-occupied residences. HELOC is a 10-year open-end draw line with interest-only monthly payments and 15-year fully amortized monthly payments of principal and interest. Offer is subject to credit approval. Property insurance and, if applicable, flood insurance are required. No closing costs for loans up to $250,000. If you cancel/close your line within 3 years you must reimburse the bank for any third party fees (ranging from $553.96 - $2,516.04) at the time of cancellation. Loans over $250,000: borrower is responsible for 1.00% mortgage tax. Consult tax advisor for tax deductibility. Rates, terms and conditions are subject to change without notice. No other discounts will apply. NMLS#463170. Member FDIC. Equal Housing Lender.

Conventional Fixed Rate Mortgage Specials Learn More

Conventional Fixed Rate Mortgage Rates Points APR* # Payments

Monthly Payment per $1,000*

See statement below**

30 Year 6.625% 0 6.682% 360 $6.40
20 Year 6.500% 0 6.575% 240 $7.46
15 Year 6.125% 0 6.218% 180 $8.51
10 Year 6.125% 0 6.256% 120 $11.16

** Payment example does not include property taxes and insurance; your actual payment will be higher.

Purchase or Refinance: 60 day rate lock.

New Construction New Build: 240 day rate lock.

New Construction Draw Only: 240 day rate lock.

Minimum Loan amount: $25,000; Maximum conforming amount: $766,550.00.

Option to receive a 1/8% (0.125%) discount on the APRs listed above for terms of 10, 15 or 20 years when you have your loan payments automatically deducted from your Direct Rewards, High Interest or Emerald Checking account at Solvay Bank.

*The annual percentage rates (APR) are current as of 05/08/2024. Monthly payment examples are based on a loan amount of $165,000.00 with a $110,000 down payment with .0 points. Interest rates are subject to change at any time without notice due to market conditions or borrower eligibility. The rates shown are based on rates for well-qualified applicants. Individual rates may vary. Monthly payment does not include property taxes or homeowners insurance. Your actual monthly payment may be greater. Mortgage insurance is required if the loan to value exceeds 80%. Homeowners insurance and flood insurance, if applicable, are required. Subject to credit approval and property appraisal based on secondary market underwriting requirements.

ARM Rates

Adjustable Rate Mortgage Rates Points APR* Monthly Payments

Total Repayment

*See statement below for additional information
5/6 ARM: 30 Year 6.125% 0.00 7.400% $1,002.56 The total repayment for this arm is 30 years or 360 payments. For the first 60 months, the payments will be $1,002.56 with a corresponding interest rate of 6.125%. For the remaining 300 months the rate and monthly payment may increase. 
7/6 ARM: 30 Year 6.250% 0.00 7.231% $1,015.93 The total repayment for this arm is 30 years or 360 payments. For the first 84 months, the payment will be $1,015.93 with a corresponding interest rate of 6.250% for the remaining 276 months the rate and monthly payment may increase. 
10/6 ARM: 30 Year 6.375% 0.00 7.049% $1,029.39 The total repayment for this arm is 30 years or 360 payments. For the first 120 months, the payment will be $1,029.39 with a corresponding interest rate of 6.000% for the remaining 240 months the rate and monthly payment may increase. 

*Payment does not include property taxes and insurance, your actual payment will be higher.

Purchase or Refinance: 60 day rate lock.

New Construction New Build: 240 day rate lock.

Minimum Loan amount: $25,000; Maximum conforming amount: $766,550.00.

*The annual percentage rates (APR) are current as of 05/09/2024. Monthly payment examples are based on a loan amount of $165,000.00 with a $110,000 down payment with 0 points. The APR and monthly payment on Adjustable Rate Mortgages (ARMs) are variable and subject to increase or decrease after the initial period. Interest rates are subject to change at any time without notice due to market conditions or borrower eligibility. The rates shown are based on rates for well-qualified applicants. Individual rates may vary. Monthly payment does not include property taxes or homeowners insurance. Your actual monthly payment will be higher. Mortgage insurance is required if the loan to value exceeds 80%. Homeowners insurance and flood insurance, if applicable, are required. Subject to credit approval and property appraisal based on secondary market underwriting requirements. Contact a Mortgage Loan Originator at 315-484-2205 for further details.

Checking Accounts

High Interest Checking Learn More

Balance  Interest Rate APY Minimum Daily Balance to Obtain APY Minimum Deposit to Open
up to $15,000  1.98% 2.00% $0.01  $15
above $15,000 0.05% 0.05% - 2.00% $0.01 $15
qualifications not met 0.05% 0.05 $0.01 $15

Qualifications

To qualify for the 2.00% APY and ATM fee refunds, simply do the following each monthly statement cycle:

  • Receive eStatements
  • Have at least one electronic direct deposit of salary, pension, or government benefits post and clear 
  • Have at least 12 debit card transactions post and clear
  • Have at least one electronic direct deposit of salary, pension, or government benefits each statement cycle to avoid a $5 monthly maintenance fee

See. Unbelievably simple. And even if you don't qualify one cycle, you still have a checking account that earns our base rate of 0.05% APY.

Rates may change at any time after the account is open. Fees may reduce earnings. 

NOW Account Learn More

Account Interest Rate APY Minimum Daily Balance to Obtain APY Minimum Deposit to Open
NOW Account 0.02% 0.02% $0.01 $15

 

Rate may change at any time after the account is open. Fees may reduce earnings.

NOW Non-Personal Account Learn More

Account  Interest Rate APY Minimum Daily Balance to Obtain APY Minimum Deposit to Open
NOW NON-Personal  0.02% 0.02% $0.01  $100 

 

Rate may change at any time after the account is open. Fees may reduce earnings.

Certificates of Deposit

Certificates of Deposit (CDs) Learn More

Term Interest Rate APY
91 Days 2.47% 2.50%
182 Days 3.44% 3.50%
7 Months* 3.92% 4.00%
12 Months 3.68% 3.75%
16 Months* 3.92% 4.00%
18 Months 3.44% 3.50%
24 Months 2.96% 3.00%
30 Months 2.23% 2.25%
36 Months 2.47% 2.50%
48 Months 2.71% 2.75%
60 Months 2.96% 3.00%

Certificates of Deposit require a minimum deposit of $500.00 to open. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

*Minimum deposit to open is $2500.00. Rates are subject to change without notice. 

IRA Certificates of Deposit Learn More

Term Interest Rate APY
182 Days 3.46% 3.50%
12 Months 3.70% 3.75%
16 Months 3.94% 4.00%
18 Months 3.46% 3.50%
24 Months 2.97% 3.00%
30 Months 2.23% 2.25%
36 Months 2.48% 2.50%
48 Months 2.72% 2.75%
60 Months 2.97% 3.00%

IRA Certificates of Deposit require a minimum deposit of $500.00 to open. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Savings Accounts

Statement Savings Learn More

Account Minimum Deposit to Open Minimum Daily Balance to Obtain APY Interest Rate APY
Statement Savings $1.00 $0.01 0.100% 0.100%

Fees could reduce earnings on the account.

Rate may change at any time after the account is open.

HSA Accounts Learn More

Tiers Interest Rate APY Minimum Daily Balance to Obtain APY Minimum Deposit to Open
$.01-$1,999.99 0.030% 0.030% $0.01 $50
$2,000 - $9,999.99 0.030% 0.030% $2,000 $50
$10,000 & Over 0.030% 0.030% $10,000 $50

 

Fees could reduce earnings on the account

Rates may change at any time after the account is open.

Money Market Account Learn More

Tiers Interest Rate APY Minimum Daily Bal to Obtain APY Minimum Deposit to Open
Balance $0.01 - $9,999.99 0.149% 0.150% $0.01 $15
Balance $10,000 - $24,999.99 0.249% 0.250% $10,000 $15
Balance $25,000 - $49,999.99 0.349% 0.350% $25,000 $15
Balance $50,000 - $99,999.99 0.449% 0.450% $50,000 $15
Balance $100,000 - $249,999.99 0.648% 0.650% $100,000 $15
Balance $250,000 & Over 0.747% 0.750% $250,000 $15

 

Fees could reduce earnings on the account

Rates may change at any time after the account is open.

Money Market Advantage Learn More

Tiers Interest Rate APY Minimum Daily Balance to Obtain APY Minimum Deposit to Open
Balance $0.01- $9,999.99 0.199% 0.200% $0.01 $25,000
Balance $10,000 - $24,999.99 0.299% 0.300% $10,000 $25,000
Balance $25,000 - $49,999.99 0.499% 0.500% $25,000 $25,000
Balance $50,000 - $99,999.99 0.598% 0.600% $50,000 $25,000
Balance $100,000 - $249,999.99 0.847% 0.850% $100,000 $25,000
Balance $250,000 & Over 0.995% 1.000% $250,000 $25,000

 

Fees could reduce earnings on the account

Rates may change at any time after the account is open.

Non-Personal Money Market Account Learn More

Tiers Interest Rate APY Minimum Daily Balance to Obtain APY Minimum Deposit to Open
Balance $0.01 - $9,999.99 0.149% 0.150% $0.01 $100
Balance $10,000 - $24,999.99 0.249% 0.250% $10,000 $100
Balance $25,000 - $49,999.99 0.349% 0.350% $25,000 $100
Balance $50,000 - $99,999.99 0.4491% 0.450% $50,000 $100
Balance $100,000 - $249,999.99 0.648% 0.650% $100,000 $100
Balance $250,000 & Over 0.747% 0.75% $250,000 $100

 

Fees could reduce earnings on the account

Rates may change at any time after the account is open.

Non-Personal Money Market Advantage Learn More

Tiers Interest Rate APY Minimum Daily Balance to Obtain APY Minimum Deposit to Open
Balance $0.01 - $9,999.99 0.199% 0.200% $0.01 $25,000
Balance $10,000 - $24,999.99 0.299% 0.300% $10,000 $25,000
Balance $25,000 - $49,999.99 0.499% 0.500% $25,000 $25,000
Balance $50,000 - $99,999.99 0.598% 0.600% $50,000 $25,000
Balance $100,000 - $249,999.99 0.847% 0.850% $100,000 $25,000
Balance $250,000 & Over 0.995% 1.000% $250,000 $25,000

 

Rates are subject to change without notice

Interest rates may change after customer opens account

Fees could reduce earnings on the account

Mortgages

Conventional Fixed Rate Mortgage Learn More

Conventional Fixed Rate Mortgage Rates Points APR* # Payments

Monthly Payment per $1,000*

See statement below**

30 Year 6.625% 0 6.682% 360 $6.40
20 Year 6.500% 0 6.575% 240 $7.46
15 Year 6.125% 0 6.218% 180 $8.51
10 Year 6.125% 0 6.256% 120 $11.16
HomeReady Mtg 30 year 6.625% 0 6.682% 360 $6.40

 

Purchase or Refinance: 60 day rate lock

New Construction New Build: 240 day rate lock

New Construction Draw Only: 240 day rate lock

Minimum Loan amount: $25,000; Maximum conforming amount: $766,550.00.

Option to receive a 1/8% (0.125%) discount on the APRs listed above for terms of 10, 15 or 20 years when you have your loan payments automatically deducted from your Direct Rewards, High Interest or Emerald Checking account at Solvay Bank.
 
*The annual percentage rates (APR) are current as of 05/08/2024. Monthly payment examples are based on a loan amount of $165,000.00 with a $110,000 down payment with .0 points. Interest rates are subject to change at any time without notice due to market conditions or borrower eligibility. The rates shown are based on rates for well-qualified applicants. Individual rates may vary. Monthly payment does not include property taxes or homeowners insurance. Your actual monthly payment may be greater. Mortgage insurance is required if the loan to value exceeds 80%. Homeowners insurance and flood insurance, if applicable, are required. Subject to credit approval and property appraisal based on secondary market underwriting requirements.
 
**Payment example does not include property taxes and insurance; your actual payment will be higher.

ARM Rates

Adjustable Rate Mortgage Rates Points APR* Monthly Payments

Total Repayment

*See statement below for additional information
5/6 ARM: 30 Year 6.125% 0.00 7.400% $1,002.56 The total repayment for this arm is 30 years or 360 payments. For the first 60 months, the payments will be $1,002.56 with a corresponding interest rate of 6.125%. For the remaining 300 months the rate and monthly payment may increase. 
7/6 ARM: 30 Year 6.250% 0.00 7.231% $1,015.93 The total repayment for this arm is 30 years or 360 payments. For the first 84 months, the payment will be $1,015.93 with a corresponding interest rate of 6.250% for the remaining 276 months the rate and monthly payment may increase. 
10/6 ARM: 30 Year 6.375% 0.00 7.049% $1,029.39 The total repayment for this arm is 30 years or 360 payments. For the first 120 months, the payment will be $1,029.39 with a corresponding interest rate of 6.000% for the remaining 240 months the rate and monthly payment may increase. 

*Payment does not include property taxes and insurance, your actual payment will be higher.

Purchase or Refinance: 60 day rate lock.

New Construction New Build: 240 day rate lock.

Minimum Loan amount: $25,000; Maximum conforming amount: $766,550.00.

*The annual percentage rates (APR) are current as of 05/09/2024. Monthly payment examples are based on a loan amount of $165,000.00 with a $110,000 down payment with 0 points. The APR and monthly payment on Adjustable Rate Mortgages (ARMs) are variable and subject to increase or decrease after the initial period. Interest rates are subject to change at any time without notice due to market conditions or borrower eligibility. The rates shown are based on rates for well-qualified applicants. Individual rates may vary. Monthly payment does not include property taxes or homeowners insurance. Your actual monthly payment will be higher. Mortgage insurance is required if the loan to value exceeds 80%. Homeowners insurance and flood insurance, if applicable, are required. Subject to credit approval and property appraisal based on secondary market underwriting requirements. Contact a Mortgage Loan Originator at 315-484-2205 for further details.

Personal Loans

Consumer Loan APR

The APRs (Annual Percentage Rate) stated are the lowest APR's available and are discounted 0.25% for account holders having an automatic payment deduction plan from a Direct Rewards Checking, High Interest Checking, Emerald, and Diamond Checking accounts. Please add an additional 0.25% to the stated rate for account holders that do not have Direct Rewards Checking, High Interest Checking, Emerald, and Diamond Checking. Other APRs may apply.

Consumer Installment Personal Loan Learn More

Loan Type APR
Personal Secured - up to 60 months 3.00%
Personal Unsecured - up to 48 months 9.69%
Personal Unsecured - 49 to 60 months 9.84%

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APR's available. Your APR may vary and will be based on your application and credit information.

Personal Secured loans are secured with a Solvay Bank Certificate of Deposit, Solvay Bank Savings account, Marketable Securities, Solvay Bank Stock or Cash Surrender Value Life Insurance.  Other restrictions may apply.  

By way of example, on a PERSONAL UNSECURED loan for $5,000 with an annual percentage rate (APR) of 9.69% for 48 months, your monthly payment would be: $126.07. Additional terms and conditions may apply. All rates and terms are subject to change without notice.

Consumer Installment Auto Loan Learn More

 

Loan Type APR
New Auto - 2023-2025 up to 66 months 6.19%
New Auto - 2023-2025 67 - 72 months 6.49%
New Auto - 2023-2025 73 - 75 months 6.89%
New Auto - 2023-2025 76 - 84 months 7.39%
Used Auto - 2023-2025 up to 66 months 6.39%
Used Auto - 2023-2025 67 - 72 months 6.69%
Used Auto - 2023-2025 73 - 75 months 7.09%
Used Auto - 2023-2025 76 - 84 months 7.59%
Auto - 2021-2022 up to 66 months 6.79%
Auto - 2021-2022 67 - 72 months 7.19%
Auto - 2021-2022 73 - 75 months 7.69%
Auto - 2019-2020 up to 66 months 6.94%
Auto - 2019-2020 67- 72 months 7.34%
Auto - 2019-2020 73 - 75 months 7.84%
Auto - 2017-2018 Up to 48 months 8.49%

 

Minimum Loan amounts:

 $2,000 on terms up to 75 months

$25,000 on terms 76-84 months

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application and credit information.

By way of example, for a new AUTO, with a purchase price of $20,000, a 10% down payment equaling $2,000 and an annual percentage rate of 6.19% for 60 months, your monthly payment would be: $349.58. Additional terms and conditions may apply. All rates and terms are subject to change without notice.

Consumer Installment Home Improvement Loan Learn More

Loan Type APR
Home Improvement Unsecured - up to 48 months 8.19%
Home Improvement Unsecured - 49 to 60 months 8.34%
Home Improvement Unsecured - 61 to 72 months 8.69%

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application and credit information.

By way of example, on a HOME IMPROVEMENT loan for $10,000 with an annual percentage rate of 8.19% for 48 months, your monthly payment would be: $245.02.

Consumer Installment Motorcycle Learn More

Loan Type APR
2023 -2025 New - up to 60 months 7.19%
2023 - 2025 Used - up to 60 months 7.94%
2019 - 2022 Used - up to 60 months 8.19%

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application and credit information.

By way of example, on a NEW MOTORCYCLE loan for $15,000 with an annual percentage rate of 7.19% for 60 months, your monthly payment would be: $298.36

Checking Line of Credit Learn More

Account Interest Rate Minimum Line Maximum Line Annual Fee Late Payment Fee
Checking Line of Credit 18.00% APR* $500.00 $5000.00 None 5% of total due, not to exceed $5.00

Rates are subject to change without notice

*Interest is charged from the transaction date.

Consumer Installment Boat and RV Loan- New Loan Learn More

Loan Type APR
New Boat, RV, ATV, Snowmobile & Trailer - 48 months or less 8.19%
New Boat, RV, ATV, Snowmobile & Trailer - 49 to 66 months 8.44%
New Boat, RV, ATV, Snowmobile, & Trailer - 67 to 75 months 8.69%
New Boat & RV - 76 months to 120 months 9.94%

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application and credit information.

By way of example, on a NEW BOAT loan for $15,000 with an annual percentage rate of 8.44% for 60 months, your monthly payment would be: $307.31

Consumer Installment Boat and RV Loan - Used Loan

Loan Type APR
Used ATV, Snowmobile, Trailer 2023-2025 - Up to 48 months 8.69%
Used ATV, Snowmobile, Trailer 2023-2025 - 49 to 66 months 8.94%
Used ATV, Snowmobile, Trailer 2023-2025 - 67 to 72 months 9.19%
Used ATV, Snowmobile, Trailer 2019-2022 - Up to 48 months 8.94%
Used ATV, Snowmobile, Trailer 2019-2022 - 49 to 66 months 9.19%
Used ATV, Snowmobile, Trailer 2019-2022 - 67 to 72 months 9.44%
Used Boat and RV 2023-2025 - Up to 48 months 8.69%
Used Boat and RV 2023-2025 - 49 to 66 months 8.94%
Used Boat and RV 2023-2025 - 67 to 75 months 9.19%
Used Boat and RV 2023-2025 - 76 to 120 months 10.44%
Used Boat and RV 2019-2022 - Up to 48 months 8.94%
Used Boat and RV 2019-2022 - 49 to 66 months 9.19%
Used Boat and RV 2019-2022 - 67 to 75 months 9.44%
Used Boat and RV 2019-2022 - 76 to 120 months 10.69%

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application and credit information. By way of example, on a 2023 USED BOAT loan for $15,000 with an annual percentage rate of 8.94% for 66 months, your monthly payment would be: $288.54

Home Equity

Home Equity Fixed Loan rates may be discounted 0.25% when a Direct Rewards Checking, High Interest Checking, or Emerald Checking account is opened and maintained, and the payment is deducted from that account.

Home Equity Variable Rate Line of Credit Learn More

Account Variable Rate* Variable annual Percentage Rate(APR)*
Standard Variable Rate Prime + 0% 
(8.50% minimum / 15% maximum)
8.50%
Variable Rate Introductory Special As low as Prime minus 0.50% for the first 12 months3 8.00%
  After Introductory Period, variable rate is Prime minus .25%3 8.25%

 

*Variable APRs stated are current as of 8/1/2023 and can periodically change based on Prime. See below for important information. The current Prime Rate is 8.50%

  • Loan Limits from $15,000 to $300,000
  • No closing costs² for loans of $250,000 or less
  • At closing, the Borrower will be required to pay New York State Mortgage Tax of 1% on any portion of the loan which exceeds $250,000
  • Variable Rate / Minimum payment of monthly accrued interest
  • Maximum available equity is up to 90% of the appraised value minus the balance of the first mortgage
  • Credit line checks provided for easy access to line
  • Property Insurance and, if applicable, flood insurance is required
  • Subject to credit approval
  • Consult tax advisor for tax deductibility

Rates are variable and may adjust monthly based on changes to the Prime Rate, as published in the Wall Street Journal.

²To qualify for no closing costs, customers must maintain the Home Equity Line of Credit in good standing for 36 months. Early discharge of the Home Equity Line of Credit, for any reason within 36 months of the original note date, may require payment of third party fees at the time of cancellation. These third party fees generally total between $592.22 and $2,567.30.

3The Variable Introductory Rate is based upon The Wall Street Journal Prime Rate ("Prime") (8.50% on 8/1/2023) minus 0.50%. Prime may change at any time without notice. If Prime increases or decreases during the Introductory Period, the Introductory Rate and minimum required payment will correspondingly change. The Variable Introductory Rate reflects a rate discount of Prime minus 0.50% for customers enrolled in Direct Rewards Checking, High Interest Checking, or Emerald Checking with automatic payment at the time the Home Equity Line of Credit (HELOC) is opened. The Variable Rate Introductory Offer is applicable to all funds withdrawn from the line of credit during the 12 month Introductory Period beginning from the date the HELOC is opened. After the Variable Rate Period ends, any and all remaining balances will automatically convert to the Variable Rate of the Prime Minus 0.25%, if a Direct Rewards Checking, High Interest Checking, or Emerald Checking account with automatic payment is maintained. If Prime increases or decreases, the Variable Rate and minimum required payment will correspondingly change. Other APRs apply without a Direct Rewards Checking, High Interest Checking, or Emerald Checking account with automatic payment. APRs are variable and may change monthly, bases upon the Prime rate as published in The Wall Street Journal (8.50% on 8/1/2023), but will not exceed 15.00%. Offer is available on first and second liens with a maximum CLTV of 90% on single-family, owner-occupied residences. HELOC is a 10-year open-end draw line with interest-only monthly payments and 15-year fully amortized monthly payments of principal and interest. Offer is subject to credit approval. Property insurance and, if applicable, flood insurance are required. No closing costs for loans up to $250,000. If you cancel/close your line within 3 years you must reimburse the bank for any third party fees (ranging from $592.22 - $2,567.30) at the time of cancellation. Loans over $250,000: borrower is responsible for 1.00% mortgage tax. Consult tax advisor for tax deductibility. Rates, terms and conditions are subject to change without notice. No other discounts will apply. NMLS#463170. Member FDIC. Equal Housing Lender.

Home Equity Fixed Rate Loan Learn More

Term in months Lien Annual Percentage Rate* APR with Autopay**
36 to 60 Months First lien 6.250% 6.000%
36 to 60 Months 2nd lien 7.000% 6.750%
61 to 120 Months First lien 6.750% 6.500%
61 to 120 Months 2nd lien 7.750% 7.500%
121 to 180 Months First lien 7.250% 7.000%
121 to 180 Months 2nd lien 8.500% 8.250%

 

*Annual Percentage Rate (APR)

** Stated APRs reflect a rate discount of 0.25% for maintaining automatic payment from a Direct Rewards, High Interest or Emerald Checking account.  

  • Loan Limits from $15,000 to $300,000
  • Fixed Interest Rate / amortized monthly payment of principal and interest
  • No closing costs¹ for loans of $250,000 or less
  • At closing, the Borrower will be required to pay New York State Mortgage Tax of 1% on any portion of the loan which exceeds $250,000
  • Maximum available equity is up to 90% of the appraised value minus the balance of the first mortgage
  • Subject to credit approval
  • Property Insurance and, if applicable, flood insurance is required
  • Consult tax advisor for tax deductibility
  • Rates are subject to change and set based upon the current rate for the day you apply.

Christian Roque    NMLS ID #23236   315-484-2235   [email protected]

Matthew J Prell    NMLS ID #1749273   315-701-1061   [email protected] 

Trish DeWalt Cazzolli    NMLS ID #589621   315-701-5275   [email protected] 

Typical loan payment examples are as follows: If you borrow $15,000, secured by a first lien for 36 months at 6.250% APR, the monthly payment would be $458.03. If you borrow $15,000, secured by a second lien for 180 months at 8.500% APR, the monthly payment would be $147.71. Monthly payment examples do not include property taxes or homeowners insurance. Your actual monthly payment may be higher. Additional terms and conditions may apply.

 

¹To qualify for no closing costs, customers must maintain the Home Equity Fixed Rate Loan in good standing for 36 months. Early discharge of the Home Equity Fixed Rate Loan, for any reason within 36 months of the original note date, may require payment of closing costs at the time of cancellation. These third party fees generally total between $592.22 and $2,567.30.