BRANCHES WILL OPERATE AS DRIVE-THRU ONLY ON SATURDAY OCTOBER 23rd, 2021: Due to staffing challenges, we regret to inform that both our Albany and Troy branch lobbies will be closed on Saturday October 23, 2021. Our staff are happy to accommodate most requests during our regular Saturday hours 9am-1pm at the drive-thru or by phone at 518-286-1611. Both branches plan to resume regular lobby and drive-thru access on Monday October 24th. Thank you for your understanding and patience.

Loan Rates

As of September 23, 2021

Rates subject to change without notice.

Current Prime Rate: 3.25%

New Auto / RV (Model Years 2016-2020 - Purchase Or Refinance)

Term of Loan Annual Percentage Rate
24 months 0.99% - 6.49%
36 months 1.49% - 6.99%
48 months 1.69% - 7.19%
60 months 1.74% - 7.24%
72 months ($15,000 min.) 1.99% - 7.49%
84 months ($15,000 min.) 3.19% - 8.69%
73-120 months (New RV only) 4.99% - 10.49%
121-180 months (New RV only) 5.99% - 11.49% (A or B Credit only)
New Sport, Water Craft, or RV 72 months or less Add 1.00% to New Auto Rates

Used Auto / RV (Model Years 2012-2015 - Purchase or Refinance)

Term of Loan Annual Percentage Rate
24 months 1.99% - 7.49%
36 months 2.49% - 7.99%
48 months 2.69% -8.19%
60 months ($15,000 min.) 2.74% - 8.24%
72 months ($15,000 min.) 4.19% - 9.69%
Used Sport, Water Craft, or RV (2012-15) Add 1.00% to Used Auto Rates (2012-15)

Used Auto / RV (Model Years 2011 and Earlier - Purchase Or Refinance)

*Models older than 2011 to be reviewed*

Term of Loan Annual Percentage Rate
24 months 5.49% - 10.99%
36 months 5.99% - 11.49%
48 months 6.24% - 11.74%
60 months ($15,000 min.) 6.49% - 11.99%
Used Sport or Water Craft (2011 & Earlier) Add 1.00% to Used Auto Rates (2011 & Earlier)

Signature Loan

Term of Loan Annual Percentage Rate
12 months 5.99% - 11.49%
18 months 6.24% - 11.74%
24 months 6.24% - 11.74%
36 months 6.49% - 11.99%
48 months 6.49% - 11.99%
60 months 6.74% - 12.24%

Share Secured / Certificate Secured Loan

Term of Loan Annual Percentage Rate
Varies 2.00% above the security rate

Home Improvement Loan

Term of Loan Annual Percentage Rate
36 months 4.99% - 10.49%
48 months 5.49% - 10.99%
60 months 6.49% - 11.99%
120 months 7.49% - 12.99%

Higher Education Loan

Term of Loan Annual Percentage Rate
6 months 3.49% - 8.99%
12 months 3.99% - 9.49%
36 months 4.49% - 9.99%
48 months 5.49% - 10.99%

Members Choice Home Equity Line of Credit - Up To 83% LTV

Term of Loan Annual Percentage Rate
Line of Credit 12 Month Introductory Rate 2.00% then Prime* (rate floor of 4.00%)

Introductory and Standard Rates will vary based on creditworthiness

Members Choice Home Equity Line of Credit - Up To 95% LTV

Term of Loan Annual Percentage Rate
Line of Credit 12 Month Introductory Rate 3.25% then Prime* + 1.25% (rate floor of 5.25%)

Introductory and Standard Rates will vary based on creditworthiness

Short Term Fixed Rate Home Equity - Up To 70% LTV (1st Lien) or Up To 50% (2nd Lien)

Term of Loan Annual Percentage Rate
Up to 10 years 2.74% - 8.24%
Up to 15 years 2.99% - 8.49%

Fixed Rate Home Equity - Up To 83% LTV

Term of Loan Annual Percentage Rate
5 years 2.99%- 8.49%
10 years 3.24% - 8.74%
15 years 3.49% - 8.99%
20 years 4.24% - 9.74%

Fixed Rate Home Equity - Up To 95% LTV

Term of Loan Annual Percentage Rate
5 years 4.24% - 5.74%
10 years 4.49% - 5.99%
15 years 4.74% - 6.24%

Visa Gold Credit Card

Prime + 5.00% Variable APR**

Currently 8.25% APR**

Introductory Rate of 6.90% APR** for 6 months.

Visa Classic Credit Card

Prime + 6.40% Variable APR**
Currently 9.65% APR**
Introductory Rate of 8.90% APR** for 6 months.

Overdraft Protection

Term of Loan Annual Percentage Rate
$48 / Month if a balance is present

Prime + 10.00% Variable APR*, Currently 13.25% APR*

All rates subject to change without notice. Rates will vary based on credit rating and term selected.

* APR=Annual Percentage Rate. Prime rate on home equity lines of Credit and Overdraft Lines of Credit adjust semi-annually effective for January and July.

**APR=Annual Percentage Rate. Visa Credit Card Rates adjust quarterly based on changes to Prime.

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