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Our

RATES

Loan Rates

Loan Type 

Loan Description

Terms

APR As Low As*

Auto (new/used/refinance)

  

Model Year 2022-2023

Up to 36 Months 

3.49%

48 Months

3.99%

60 Months 

4.50%

72 Months 

4.75%

84 Months

5.00%

Model Year 2018-2021

36 Months 4.25%

48 Months

4.50%

60 Months

5.00%

72 Months

5.25%

84 Months

5.75%

Model Year 2017***

48 Months

5.75%

Boats & RV’s

New (2021-2022)

Up to 60 Months

4.00%

61-84 Months

4.25%

85-180 Months

5.00%

Used (2020 and older)

Up to 60 Months

4.50%

61-84 Months

4.75%

85-180 Months

5.50%

Personal

Loans up to $20,000

Up to 36 Months

8.40%

37+ Months

9.40%

Credit Card

Visa Classic Credit Card

Revolving credit line

10.90%

Home Equity

Variable Rate

15 Years

PRIME 4.75**

LOC/Overdraft

 –

– 

13.50%

Mortgage
Our trusted lending partners at OwnersChoice Funding offer a variety of mortgage loans to fit your needs. Apply online or call OwnersChoice at 716-839-0701.

Conventional

FHA

VA

USDA

ARMS

Mortgage Rates

SAVINGS & MONEY MARKET RATES

Account Type 

Balances to earn interest

Interest Rate

APY4

Savings

$100+

0.03%

0.03%

Club accounts (holiday and vacation)

$100+

0.03%

0.03%

Money Market

•$3,000-$19,999.99
•$20,000-$74,999.99
• $75,000+

• 0.05%
• 0.10%
• 0.15%

• 0.05%
• 0.10%
• 0.15%

CERTIFICATES & IRAS

Account details 

Term

Interest Rate

APY4

Certificates (CDs) Minimum $250 to earn interest

• 6 months
• 12 months
• 12 months (deposits allowed)
• 18 months
• 24 months
• 36 months
• 48 months
• 60 months

• 0.15%
• 0.15%
• 0.15%
• 0.20%
• 0.30%
• 0.35%
• 0.40%
• 0.50%

• 0.15%
• 0.15%
• 0.15%
• 0.20%
• 0.30%
• 0.35%
• 0.40%
• 0.50%

Individual Retirement Accounts (IRAs)

0.10%

0.10%

*APR is Annual Percentage Rate. Rates depend upon credit qualification. All rates are subject to change at any time. Other rates and terms may apply.

**Prime Rate is influenced by the Federal Reserve and is subject to change at any time without notice.

***Call for more details about Model Years or Terms outside what you see listed here.

Rates effective as of 12/3/2022

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