Home Contact Us
Hudson Office
518-828-5216
View Hours
Call Toll Free 800-421-2119
FlexTeller
Online
Banking Sign Up
Learn More
Own Your Money!  Invest in America
Interest Rates
 


Home Equity Rates

Fixed Rate (Closed End) up to 15 Years   Starting as low as 5.24%
Variable Line of Credit up to 20 years 80% financing Starting as low as prime
Variable Line of Credit up to 20 years 90% financing Starting as low as prime + 1.0%

 First Mortgage

(CUCM rates) fixed Please call or ask rep. for these rates
(CUCM rates) variable Please call or ask rep. for these rates

 Consumer Loans

New Vehicle *ala 2.50%-18.0%  APR  
Up to 36 month financing
New Vehicle *ala 2.50%-18.0% APR Up to 48 month financing
New Vehicle *ala 2.60%-18.0% APR Up to 60 month financing
New Vehicle *ala 2.70%-18.0% APR Up to 72 month financing
Used Vehicle *ala 3.50%-18.0% APR

2009 & newer
36 month financing

Used Vehicle *ala 3.50%-18.0% APR 2009 & newer
48 month financing
Used Vehicle *ala 3.60%-18.0% APR 2009 & newer
60 month financing
Used Vehicle * ala 3.60%-18.0% APR 2008 & older
36 month financing
Used Vehicle

*ala 3.75%-18.0% APR

2008 & older
48 month financing

New Boat/RV

*6.50%-18.0% APR 15 year finance
Used Boat/RV *7.25%-18.0% APR
12 year finance

New Sport craft (Tractors, Ski Jets, Quads, etc.)

*9.5%-18.0% APR  
Used Sport craft *9.5%-18.0% APR  
Unsecured Loans *9.99%-18.0% APR  
Visa Platinum *9.90%-18.0% APR  
Overdraft Protection *15.0%-18.0% APR  
Fuel Loans *6.0%-14.0% APR 
 

VISA Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for Purchases

9.9% - 18.0% when you open your account, based on your credit worthiness.

APR for Balance Transfers

9.9% - 18.0% when you open your account, based on your credit worthiness.

APR for Cash Advances

9.9% - 18.0% when you open your account, based on your credit worthiness.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the closed of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

VISA Fees

Transaction Fees-         

Foreign Transaction Fee

1.00% of each multiple currency transaction in U.S. dollars

0.80% of each single currency transaction in U.S. dollars

Penalty Fees
Late Payment Fee
Returned Payment Fee

Up to $20.00
Up to $20.00

Other VISA Disclosures

Late Payment Fee

$20.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.

Returned Payment Fee

$20.00 or the amount of the required minimum payment, whichever is less.

Emergency Card Replacement Fee

At Cost

 

Card Replacement Fee

At Cost

Rush Fee

At Cost

CLICK HERE FOR A COMPLETE INTEREST RATE SHEET AND DISCLOSURES

Shared Secure Loans
2.75% over the rate being paid for your share or term share

For Real Estate, personal property, trailers, lawn tractors, or farm equipment, either a mortgage, a Motor Vehicle lien or UCC-1 lien is filed. A "Rider" must be added to your insurance coverage naming the Credit Union as "Loss Payee".

The following must accompany your application for a new or used auto:

  • An invoice or statement from the dealer or seller as to make, model, year, identification number and any options on the vehicle
  • Proof of insurance showing the name of the insurance company and the agent.
  • Proof of income is required with all loan applications.

*All rates based on creditworthiness. *All rates subject to change.

 


More Loans
General Loan Information
Apply Now!
Boat/RV Loans
Sportscraft Loans
Unsecured Personal Loans
Overdraft Line of Credit
Auto/Truck Loans
Home Equity Loans
Fuel Line of Credit