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Lending Made Easy

Columbia-Greene Federal Credit Union has the loan for you! We take pride in working with our members based on their individual needs, and our Loan Officers are registered with the National Mortgage Licensing System. Select your loan of interest from the above photos, or simply scroll down our loan options below.

CGFCU Identifier Number: NMLS#543983
Loan Officer Jessica Herishko Identifier Number: NMLS#696138
Loan Officer Betty Grant Identifier Number: NMLS #695890

OR, call the credit union at 518-828-5216 ext. 1101, or send an email to jessicah@cgfcu.org for application needs.

Mortgages

Whether you’re purchasing a home or refinancing your mortgage, you can look to us for trusted advice and exceptional service.

Our mortgage program features:

  • a secure online application process;
  • expanded loan programs;
  • low interest rates and closing costs; and
  • expert support and assistance throughout the entire process.

All CGFCU mortgage loans are serviced through Owner’s Choice, a full-service mortgage underwriter serving credit unions in the greater Northeast. For additional information, call our loan department at 518-828-5216 ext. 1101, or send an email to jessicah@cgfcu.org.

First Mortgage Rates

(CUCM rates) fixed Please call 518-828-5216 for these rates
(CUCM rates) variable Please call 518-828-5216 for these rates

Home Equity Loans

ANYTHING Home Line of Credit (LOC)

Variable Rate starting as low as 3.50%

  • Based on Prime
  • Adjusted annually (anniversary)
  • +/- 1.75% annually
  • Prime plus 5% Cap
  • Minimum $25,000
  • First advance $5K minimum, 1K minimum on future advances
  • Up to 5-year draw
  • No Out of Pocket Expenses
  • No pre-payment penalty
  • Up to 20 year financing

CURRENT PRIME RATE: 3.50%

ANYTHING Home Loan

Fixed Rate starting as low as 4.25%

  • No Out of Pocket Expenses
  • No pre-payment penalty
  • Up to 20 year financing

*All approved rates based on creditworthiness.
Rates are subject to change without prior notice.

Home Equity applications are available at the credit union located at 207A Green Street in Hudson, NY, or at 12165 Route 9W, West Coxsackie, NY. For more information on rates and terms, contact us at 518-828-5216 or at 518-303-4801.

Online Application is Coming Soon!

Mortgage Calculators
How much home can I afford?
Should I refinance my home?
Should I pay discount points?
Should I make extra payments on my mortgage?
How much of a down payment should I make on my new home?
Mortgage Payment Calculator
Comparing mortgages (i.e. 15, 20, 30 year)
What is the Loan to Value Ratio of my home?

Auto/Truck

LOOK NO FURTHER FOR YOUR AUTO AND TRUCK LOAN NEEDS...

Auto Loan Rates
New Vehicle *ala 1.99%-17.99% APR 36 to 84 months financing
Used Vehicle *ala 2.49%-17.99% APR 36 to 60 months financing
First Time Auto Buyer (FAB) Loan *NEW!
12.99% APR Up to 60 month financing

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

Auto Calculators
Should I lease or purchase a car?
How much will my auto payments be?
Should I take a rebate or low-cost financing?
Should I accelerate my auto payments?
How much car can I afford?

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.

Boats and RVs

STILL LOOKING FOR THAT PERFECT BOAT, RV OR TRAILER?

Before you buy, give CGFCU's loans a try!

Boat / RV / Trailer Rates
New Boat/RV *6.24%-17.99% APR 15 year financing
Used Boat/RV *6.99%-17.99% APR 12 year financing

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

Sports craft (Tractors, Jet skis, Quads)

Look to CGFCU for FUN Loans too...what sports craft do you want?

  • Looking to buy a JETSKI?
  • Looking to buy a SNOWMOBILE?
  • Looking to buy a QUAD?
  • Looking to buy a TRACTOR?

Come on over to the credit union side for your SPORTS CRAFT loan...you will be happy you did!

Sportscraft Rates
New Sport craft (Tractors, Ski Jets, Quads, etc.) *8.74%-17.99% APR
Used Sport craft (Tractors, Ski Jets, Quads, etc.) *9.24%-17.99% APR

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

Overdraft Line of Credit

Want the comfort of knowing your transactions will be covered up to an overdraft limit when you do not have enough funds in your share draft account? CGFCU offers an overdraft line of credit to members in good standing. Please note you MUST complete an application for this line of credit. Click on the link below to apply, then click on the PERSONAL UNSECURED LOAN box.

All signed paperwork should be submitted by mail, in person or placed in drop box at Columbia-Greene Federal Credit Union, 207A Green Street, Hudson, NY 12534. You may reach us with any additional questions at (518) 828-5216 or 518-303-4801, or via email at kips@cgfcu.org.

PLEASE NOTE: If contacting us via email, do not include any account information in the message.

Anything Loan

(Personal/Unsecured, Home Improvement, Debt Consolidation)

Whether you are looking to apply for a loan, BIG or small, we can help you out!

Our Anything Loan1 offers:
– Rates as low as 9.99% APR*
– Up to $15,0002

To get started on your Anything Loan, give CGFCU a call at 518-828-5216, send an email to jessicah@cgfcu.org, or apply online anytime!

*APR=Annual Percentage Rate.
1Includes Personal/Unsecured, Home Improvement and Debt Consolidation Loans.
2Approved rates based on creditworthiness.

Interest Rates

ANYTHING Home Loan (Fixed)
Rates starting as low as 4.25%

ANYTHING Home LOC (Variable)
Rates starting as low as 3.25%
For more information on our ANYTHING Loan rates and terms, please call 518-828-5216 or 518-303-4801.

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 1.99%-17.99% APR 36 to 84 month financing
Used Vehicle *ala 2.49%-17.99% APR 36 to 60 month financing
First Time Auto Buyer (FAB) Loan *NEW! 12.99% APR Up to 60 month financing
New Boat/RV *6.24%-17.99% APR 15 year financing
Used Boat/RV *6.99%-17.99% APR 12 year financing
New Sport craft (Tractors, Ski Jets, Quads, etc.) *8.74%-17.99% APR
Used Sport craft *9.24%-17.99% APR
ANYTHING Loans *9.99%-17.99% APR
Overdraft Protection *14.74%-17.99% APR

 

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 and are subject to change.

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