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Loan Rates

Loan TypeRate / Terms
Signature Loans (Overdraft / Personal)Variable rate as low as 11.75% APR
Fixed rate as low as 11.75% APR
Maximum $5,000.00 with 36 months to pay
Credit CardAs low as 8.9% APR fixed rates
Payments based on 3% of outstanding card balance.
Home Equity Line of CreditVariable rate 5.95% APR up to $75,000.00 / 180 months with no closing costs effective 10/1/2022.
The maximum Annual Percentage Rate that may apply is 15%.
Home Equity LoanFixed rate with 10 years to repay – call office for rate 716-614-6445
Home Improvement LoanUp to $10,000 at 8.0%APR with 10 year payoff
New CarsAs low as 3.9% APR 1
Used CarsAs low as 5.49% APR 1
All dollar limits are dependent on the NADA retail price for used vehicles.
Share Secured (Fixed Rate)2.50% APR / no $ limit up to 120 months
Mobile Home (Fixed Rate)9.00% / 90% APR financed up to 120 months
New Recreational Vehicles5.50% / 100% APR financed up to 120 months
Used Recreational Vehicles7.50% / 100% APR financed up to 120 months
Technology Loan6% APR for 24 months up to $2,500.00

1 Certain Restrictions Apply. Rates are based on TransUnion Credit Score.