Explore our current Deposit and Loan Rates!

myDividend Checking Rates

RATES ACCURATE AS OF: 3/1/2023Dividend RatesAPY*
Standard Rate 0.10%.100%
Premium Rate 1.98%2.00%

*APY=Annual Percentage Yield. In order to receive the disclosed APY, you must maintain a minimum average daily balance of $300 in your account for the month. Rates are not fixed and may change after the account is opened. Rates are also subject to change without notice. Federally Insured by NCUA.

**To qualify for the Premium myDividendChecking Rates, you must receive E-statements AND have 15 or more point of sale (POS) debit card transactions post to your account for the month. The premium rate will apply to the first $10,000 in the account and the standard rate will apply to the balance in excess of $10,000. Fees may reduce earnings if deposit requirements are not met. Federally Insured by NCUA.

Share Savings Rates

RATES ACCURATE AS OF: 3/1/2023

Balance

Dividend Rates

APY*
$5.00-$299.99 0.00% 0.00%
$300.00-$9,999.99 0.20% 0.20%
$10,000.00-$24,999.99 0.25% 0.25%
$25,000.00 and over 0.27% 0.27%

*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $300 in your account for the month. Rates are subject to change without notice. Fees may reduce earnings. Min. $5 deposit required to open. Federally Insured by NCUA.

Youth Savings

BalanceDividend RateAPY*
$5.00-$299.990.20%0.20%
$300.00-$9,999.990.20%0.20%
$10,000.00-$24,999.990.25%0.25%
$25,000.00 and over0.27%0.27%

*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $5 in your account for the month. Rates subject to change without notice. Fees may reduce earnings. Min. $5 deposit required to open. Federally Insured by NCUA.

Christmas Club Rates

RATES ACCURATE AS OF: 3/1/2023

Balance
Dividend RatesAPY*
$25.00-$299.990.20%0.20%
$300.00-$9,999.990.20%0.20%
$10,000.00-$24,999.99 0.25%0.25%
$25,000.00 and over0.27%0.27%

*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $25 in your account. Rates are subject to change without notice. Fees may reduce earnings on the account. Clubs mature on 10/1 of each year. Minimum required to earn interest is $25. Federally Insured by NCUA.

Share Certificate Rates

RATES ACCURATE AS OF: 1/19/2024

Term
Dividend RateAPY
2-5 Months0.25%0.25%
6-11 Months0.35%0.35%
7 Month Special4.41%4.50%
10 Month Special4.41%4.50%
12-23 Months0.45%0.45%
24-35 Months0.60%0.60%
36-47 Months0.65%0.65%
48-59 Months0.80%0.80%
60 Months0.85%0.85%

**APY=Annual Percentage Yield, assumes the same rate for 1 year. Dividends are compounded and credited monthly. $500 minimum required to open. Rates are subject to change without notice. Rates may change after account is opened. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.

IRA Rates

RATES ACCURATE AS OF: 1/19/2024

Term
Dividend RateAPY*
2-5 Months0.25%0.25%
6-11 Months0.35%0.35%
7 Month Special4.41%4.50%
10 Month Special4.41%4.50%
12-23 Months0.45%0.45%
24-35 Months0.60%0.60%
36-47 Months0.65%0.65%
48-59 Months0.80%0.80%
60 Months0.85%0.85%

*APY=Annual Percentage Yield, assumes the same rate for 1 year. $500 minimum required to open. Rates subject to change without notice. Rates may change after account is opened. Fees may reduce earnings. Federally Insured by NCUA.

IRA Savings

Dollar RangeDividend RateAPY*
ANY0.80%0.80%

*APY=Annual Percentage Yield, assumes the same rate for 1 year. $50 minimum required to open. Rates subject to change without notice. Fees may reduce earnings. Rate may change after account is opened. Federally Insured by NCUA.

Money Market Savings Rates

RATES ACCURATE AS OF: 11/1/2023

Balance
Dividend RatesAPY*
$0-$2,499.990.00%0.00%
$2,500.00-$9,999.99 0.25% 0.25%
$10,000.00-$24,999.99 0.25% 0.25%
$25,000.00-$49,999.99 0.30% 0.30%
$50,000.00-$99,999.99 0.35% 0.35%
$100,000.00-$249,999.990.99%1.00%
$250,000.00 and over1.98%2.00%

*APY=Annual Percentage Yield. To receive the disclosed APY, you must maintain a minimum average daily balance of $2,500 in your account. Minimum to earn dividends is $2,500. Fees may reduce earnings. Rates subject to change without notice. Federally Insured by NCUA.

Learn more about Money Market Accounts by clicking here!

Auto Loan Rates

Rates Effective: 1/3/2024

Term
2023 & newer 2022 & Older
Up to 48 Months as low as 6.49% APR as low as 6.69% APR
48-59 Months as low as 6.69% APR as low as 6.89% APR
60-71 Months as low as 6.99% APR as low as 7.19% APR
72-84 Months as low as 7.99% APR as low as 8.19% APR

*APR = Annual Percentage Rate. Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates subject to change without notice. A $20,000 loan for 48 months @ 6.99% APR = $478.97 per month.

**Rates include a .25% discount for auto transfer of the monthly payment and .25% discount for LTV (loan to value) under 80%

Maximum terms are dependent on model year and/or collateral value.

LTV restrictions may apply.

Contact a member of the Lending Team for specific rates and terms.

Apply for an Auto Loan by clicking here!

(PaySaver) Auto Loan Rates

Rates Effective: 7/28/2023

Term
2022 & Newer2019 - 20212018
Up to 48 Monthsas low as 8.24% APRas low as 8.44% APRas low as 8.84% APR
49-60 Monthsas low as 8.44% APRas low as 8.64% APRas low as 9.24% APR
61-72 Monthsas low as 8.74% APRas low as 8.94% APRas low as 9.44% APR

*APR = Annual Percentage Rate. Loan rates and terms are determined by credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. Available only at an Authorized Dealer which include Bokman of Wellsville, Kightlinger Motors, Olean Class Cars, Paul Brown Motors, Paul Brown Chevy, Simmons Rockwell Ford, and LUV Toyota of Bradford. A $30,000 loan for 48 months @ 8.24%APR = $479.58 per month for 47 months, and would include a final payment due at loan maturity of $15,000. LTV (loan to value) restrictions apply. Contact a member of the Lending Team for specific rates and terms. 

Recreational Vehicles Loan Rates

Rates Effective: 1/19/2024

Term
2023 & newer 2020-2022 2015-2019
Up to 487.04%-17.04% APR7.49%-17.49% APR 8.29%-17.99% APR
49-607.54%-17.54%APR7.99%-17.99%APR 8.79%-17.99%APR
61-72 8.04%-17.99%APR 8.49%-17.99%APR 9.29%-17.99%APR
73-84*8.74%-17.99%APR 9.19%-12.99%APR 9.99%-11.49%APR
85-120*9.24%-10.74%APR 9.69%-11.19%APR N/A

*APR = Annual Percentage Rate. Rates subject to change without notice. LTV: The rate may be increased or decreased by .25% based on the LTV (loan to value). LTV restrictions apply. A $20,000 loan on a 2022 Boat for 60 months at an annual percentage rate of 7.04%APR is $396.52 per month.

Apply for a Recreational Vehicle Loan by clicking here!

Unsecured Loan Rates

Rates Effective: 7/28/23

Term
Rate/APR*
60 Months11.40%-17.99%

*APR = Annual Percentage Rate. Rates are based on credit score, term and method of payment. Cannot refinance existing CU debt. A $6,000 loan for 60 months @ 11.40% = $131.72. Rates subject to change without notice.

Apply for an Unsecured Loan by clicking here!

Home Equity Loan Rates

RATES EFFECTIVE 1/19/2024

Term
Rate/APR*Max LTVCredit Score
5 yr6.500%85%Available to All Credit Tiers
7 yr6.750% 85%Available to All Credit Tiers
10 yr7.000%85%Available to All Credit Tiers
15 yr7.250%85%Available to All Credit Tiers

*APR = Annual Percentage Rate. The payment on a $20,000 fixed rate home equity loan for 5 years @ 6.750%APR = $393.67 per month. Maximum APR is 17.99%. All loans subject to credit approval, home eligibility, minimum and maximum loan amounts, and LTV stipulations. Rates subject to change without notice. NMLS #585840. Equal Housing Lender.

Learn more about our Home Equity Loans by clicking here!

Apply for a Home Equity Loan by clicking here!

Home Equity Line of Credit Rates

RATES EFFECTIVE 8/3/2023

Term
Rate/APRMax LTV
Years 1-58.500%80%
Years 6-20Prime Rate**

Varies twice yearly on January 1st and July 1st with Prime Rate.
80%

*APR = Annual Percentage Rate. All loans are subject to credit approval, home eligibility, minimum and maximum loan amounts, and LTV stipulations. Term is 20 years.

**Prime rate, as published in the Wall Street Journal, currently 8.500%. Rates subject to change without notice. Rate not to exceed 17.99%.

NMLS #585840    Equal Housing Lender

Learn more about our Home Equity LOC by clicking here!

HELOC Disclosure

Apply for a HELOC by clicking here!

Mortgage Rates

Because mortgage rates can change daily, please call 716.372.6607 to speak to a mortgage lender for the most current rates and terms. We have several fixed and variable rate options available. Our lenders will work with you to determine which program fits your needs.

NMLS #585840. Equal Housing Lender.

Learn more about our mortgage options by clicking here!

Apply for a Mortgage Loan by clicking here!

Video Banking