Current Rates

Rates Effective as of June 9, 2008 .  Rates subject to change without notice. Actual APR* and maximum percentage financed are determinant upon the applicant’s credit score.

Current Loan Rates		Current Deposit Rates
Auto/Truck» / Recreation Vehicles» / Mobile Homes» / Motor Home/Boat/Camper» / Signature» / Secured» / Line of Credit» / Home/Mortgage» / Overdraft Checking NYCE Overdraft»		Deposit Accounts» / Certificates»
NEW AUTO/TRUCK LOANS TOP TERM APR* MAXIMUM PERCENT 24 mo 5.00% 100% 36 mo 5.00% 100% 48 mo 5.25% 100% 60 mo 5.50% 100% 72 mo >$25,000 6.25% 100% USED AUTO/TRUCK LOANS TOP 24 mo 5.25% 100% 36 mo 5.25% 100% 48 mo > $7,000 5.50% 100% 60 mo > $10,000 5.75% 100% 72 mo > $25,000 6.25% 100% APR = Annual Percentage Rate. APPLY NOW   CALCULATORS NEW RECREATIONAL VEHICLES TOP TERM APR* MAXIMUM PERCENT 48 mo 5.75% 100% 60 mo > $7,000 6.25% 100% 84 mo > $25,000 7.25% 100% USED RECREATIONAL VEHICLES TOP 48 mo 6.00% 100% 60 mo > $7,000 6.50% 100% APR = Annual Percentage Rate. APPLY NOW   CALCULATORS NEW MOBILE HOMES TOP TERM APR* MAXIMUM PERCENT 84 mo 7.00% 90% USED MOBILE HOMES TOP 84 mo 7.00% 75% APR = Annual Percentage Rate. APPLY NOW   CALCULATORS NEW MOTOR HOMES/BOATS/CAMPERS TOP TERM APR* MAXIMUM PERCENT 48 mo 5.75% 100% 60 mo 6.25% 100% 72 mo 6.75% 100% 84 mo 7.25% 100% USED MOTOR HOMES/BOATS/CAMPERS TOP 36 mo N/A 100% 48 mo 6.00% 100% 60 mo 6.50% 100% 84 mo 7.50% $30,000 Selling Price 7 -12 yrs - 5 yr balloon 6.75% $40,000 Selling Price APR = Annual Percentage Rate. APPLY NOW   CALCULATORS SIGNATURE LOANS TOP TERM APR* MAXIMUM PERCENT 60 mo 9.50% If no adverse credit on credit report $12,500 Max. Based on Gross Value Income APR = Annual Percentage Rate. APPLY NOW   CALCULATORS SHARE SECURED LOANS TOP TERM APR* MAXIMUM PERCENT 60 mo +2.25% (Share Rate) 2.25% Over Regular Share Rate/ Variable Subject to Change Quarterly CERTIFICATE SECURED LOANS TOP TERM OF CERTIFICATE 2.25% Over CD Rate Certificate Balance Less Interest APR = Annual Percentage Rate. APPLY NOW   CALCULATORS LINE OF CREDIT TOP TERM APR* MAXIMUM PERCENT 60 mo 9.25%-17.50% $12,500 APR = Annual Percentage Rate. APPLY NOW   CALCULATORS FIXED RATE HOME EQUITY/HOME IMPROVEMENT TOP TERM APR* MAXIMUM PERCENT 60 mo 5.25% 100% of Appraisal/$100,000 84 mo 6.00% 100% of Appraisal/$100,000 LAND TOP Same as Fixed Rate Home Equity/Home Improvement - $50,000 Maximum HOME EQUITY CREDIT LINES TOP 15 Years 5.00% - Variable 100% FIRST MORTGAGES (FIXED RATES) TOP 84 mo 5.99% 80% 30 yrs. w/ 5 or 7 yr. balloon 5.5% (5yr.) - 5.99% (7yr.) - VARIABLE RATE MORTGAGES TOP 3, 5, 7 yr. Hybrid Arm - 20 yr. Max. Term 4.99%(3yr.); 5.5%(5yr.); 5.99%(7yr.) 80% APR = Annual Percentage Rate. APPLY NOW   CALCULATORS OVERDRAFT CHECKING NYCE OVERDRAFT TOP TERM APR* MAXIMUM PERCENT REVOLVING 18.00% Minimum $500/ Maximum $1,000 Deducted From Unsecured Limit APR = Annual Percentage Rate. APPLY NOW   CALCULATORS		SHARE ACCOUNTS TOP APY* Regular Shares 1.01% Club Shares 0.50% Escrow Shares 0.50% IRA Shares 1.77% Money Market Shares 2.28% APY = Annual Percentage Yield. CALCULATORS  CERTIFICATES TOP Share Certificates APY* 6 Month 2.75% 12 Month 3.00% 24 Month 3.00% 36 Month 3.25% 48 Month 3.50% 60 Month 3.75% IRA Certificates APY* 12 Month 3.30% APY = Annual Percentage Yield. CALCULATORS