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LOAN RATES
Auto (2007 & newer)
APR as low as 3.50%.
Rates are based on your credit history and term.
Auto
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2007 and newer
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48 months
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3.50% - 16.50%
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49-60 months
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3.75% - 16.50%
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61-72 months
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4.99% - 17.50%
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73-84 months
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6.00% - 18.00%
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Rates effective April 1, 2010.
Call (716) 372-6607 to apply.
Auto (2004 - 2006)
APR as low as 4.00%.
Rates are based on your credit history and term.
Auto
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2004 - 2006
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48 months
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4.00% - 17.25%
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49-60 months
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4.25% - 17.25%
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61-72 months
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5.25% - 18.00%
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Max 72 month term for 2006 and newer, max 66 month term for 2005 and newer.
Rates effective April 1, 2010.
Call (716) 372-6607 to apply.
Other Secured Loan
Flexible Terms.
APR as low as 6.25%.
Other Secured Loan
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Rates
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36 months
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6.25% - 17.99%
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37-60 months
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6.75% - 17.99%
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over 60 months
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8.75% - 17.99%
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Rates include Autos 2003 and older.
Rates effective April 1 , 2010.
Call (716) 372-6607 for available terms and to apply.
Unsecured Loan
APR as low as 9.90%.
Unsecured
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Rates
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up to 60 months
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9.90% - 17.99%
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61-84 months
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10.40% - 18.00%*
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Rates effective April 1, 2010.
Call (716) 372-6607 for available terms.
*Max rate allowed by Credit Unions is 18.00%.
Line Of Credit
APR - 9.90% payment is 2% of outstanding balance.
Call (716) 372-6607 to apply.
VISA Platinum Credit Card with Rewards
Low variable-rate, no annual fee VISA.
Variable rates with Rewards as low as 9.75% APR
Call (716) 372-6607 to apply.
Ear one point for each dollar you spend and redeem for FREE Rewards.
Share Savings Secured
Flexible Terms
APR from 4.50% to 7.00% depending on term.
Call (716) 372-6607 for available terms and to apply.
Share Certificate Secured
APR is 2% above the Share Certificate rate.
Rate may change at Share Certificate maturity.
Call (716) 372-6607 to apply.
Mortgage Rates
Please call the Credit Union at (716) 372-6607 for current mortgage rates and available terms.
SHARE ACCOUNT RATES
Variable Rate Accounts
For all share accounts, except Share Certificates, the dividend rate may change after the account is opened.
Share Savings Account
Plateau Range
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Dividend Rate
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Annual
Percentage
Yield
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$300.00 - $9,999.99
|
0.75%
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0.75%
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$10,000.00 - $24,999.99
|
0.75%
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0.75%
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| $25,000.00 and over |
1.00%
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1.00%
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Dividend Rate Effective: 01/01/09.
Call for details (716) 372-6607.
Money Market Shares
$2,500 Minimum balance to open.
Plateau Range
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Dividend Rate
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Annual
Percentage
Yield
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| $2,500 - $9,999.99 |
1.00%
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1.00%
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| $10,000 - $24,999.99 |
1.00%
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1.00%
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| $25,000 - $49,999.99 |
1.24%
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1.25%
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| $50,000 - $99,999.99 |
1.24%
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1.25%
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| $100,000+ |
1.49%
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1.50%
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Dividend Rates Effective 09/01/10
Call (716) 372-6607 for details.
Share Draft Checking
$300.00 minimum balance for dividends (if dividends are currently being paid).
This fee could reduce the earnings on the account.
Call (716) 372-6607 for details.
Individual Retirement Account (IRA) Savings
Dividend Rate 2.00% Annual Percentage Yield 2.02%
Call for details (716) 372-6607.
Share Certificates
$500 Minimum
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Dividend Rate
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Annual
Percentage
Yield
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2 - 5 Months
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1.00%
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1.00%
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6 - 11 Months
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1.00%
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1.00%
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12 - 23 Months
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1.24%
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1.25%
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24 - 35 Months
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1.49%
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1.50%
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36 - 47 Months
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1.98%
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2.00%
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48 - 59 Months
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2.23%
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2.25%
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60 Months
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2.47%
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2.50%
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*25 Month Special 1.74% 1.75%
There may be a penalty for early withdrawal.
Dividend Rates effective 08/09/10.
Call for details (716) 372-6607.
*APR - Annual Percentage Rate
*APY - Annual Percentage Yield
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