(585) 589-5286 P.O. Box 380 299 West Ave Albion, NY 14411

Deposit Rates


Rates effective 4/13/2018. APY represents Annual Percentage Yeild.


Account Type Rate APY
Share (savings) Accounts 0.05% 0.05%
Club Accounts 0.05% 0.05%
Share Draft (Checking) Accounts 0.00% 0.00%
6 month Certificates 0.07% 0.07%
12 month Certificates 0.09% 0.09%

Loan Rates


APR represents Annual Percentage Rate. Tiers: A, B, C, D


Loan Type 690+ 640 - 689 600 - 639 < 600
New Auto Loans 2.99% 3.99% 5.99% 9.50%
Used Auto Loan 3.99% 4.99% 6.99% 11%
Personal Loans 7.00% 8.00% 10.00% 11.50%
Miscellaneous Secured Loans 6.00% 7.00% 9.00% 11.50%
Share Secured Loan 3.00% 3.00% 3.00% 3.50%

New vehicles over $25,000.00 may be taken out for 72 months at rate plus 1/2 percent. Used Vehicles – current year and previous five (5) years can be taken out for 5-year terms, any older vehicles are 4-year terms. Miscellaneous Loans are for ATVs, Snowmobiles, Lawn Mowers / Tractors, Jet Skis.




Closed-end Home Equity Pricing

7 Year 10 Year 15 Year
Tier 80% LTV 80% LTV 80% LTV
A 4.25% 4.50% 4.75%
B 5.25% 5.50% 5.75%
C 6.25% 6.50% 6.75%
D 8.25% 8.50% 8.75%+

When two members co-apply, the higher of the two scores is used to determine the rate. When there is a co-signer, the primary borrower’s score is used to determine the rate. When there is no risk score, the “C” rate will be used.




Camper, Boat, and RV Loans

A 48 - 60 61 - 84 85 - 120 121 - 144
$10,000 - $14,999 4.50% 4.75%
$15,000 - $24,999 3.75% 4.00% 4.25%
$25,000 - $49,999 3.50% 3.75% 4.00% 4.25%
$50,000 - $74,999 3.25% 3.50% 3.75% 4.00%
B 48 - 60 61 - 84 85 - 120 121 - 144
$10,000 - $14,999 4.75% 5.00%
$15,000 - $24,999 4.00% 4.25% 4.50%
$25,000 - $49,999 3.75% 4.00% 4.25% 4.50%
$50,000 - $74,999 3.50% 3.75% 4.00% 4.25%
C 48 - 60 61 - 84 85 - 120 121 - 144
$10,000 - $14,999 6.75% 7.00%
$15,000 - $24,999 6.00% 6.25% 6.50%
$25,000 - $49,999 5.75% 6.00% 6.25% 6.50%
$50,000 - $74,999 5.50% 5.75% 6.00% 6.25%
D 48 - 60 61 - 84 85 - 120 121 - 144
$10,000 - $14,999 8.75% 9.00%
$15,000 - $24,999 8.00% 8.25% 8.50%
$25,000 - $49,999 7.75% 8.00% 8.25% 8.50%
$50,000 - $74,999 7.50% 7.75% 8.00% 8.25%

- New Autos are defined as current model year and previous model year
- Vehicles over $25,000 may be taken out for 72 months at rate + .5%
- Used Vehicles older than 5 years can be taken out for 4 years terms
- Misc. Loans are for ATV’s, snowmobiles, lawn mowers, tractors, jet skis, and campers without a title
- When 2 members co-apply, the higher of the scores is used to determine the rate
- When there is a co-signer, the primary borrower’s score is used to determine the rate
- When there is no credit score, the “C” Rate will be used
- *** A = 690+ B = 640-689 C = 600-639 D =< 600

Fee Schedule


Membership Fee $15.00
Statement Copies $3.00 per copy
Insufficient Funds $35.00 per draft
Return Item $25.00 per item
Overdraft Transfer Fee $5.00 per overdraft transfer
Stop Payment Order $10.00 per order
Copy of Draft $3.00 per copy
Failure to notify credit union of address change $5.00 per returned piece of mail
Extensive Account Research $50.00 per hour
Dormant Account Fee (charged after one year) $5.00 per quarter
ATM Withdrawals $1.00
Courtesy Pay $25.00