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Our

RATES

Loan Rates

Loan Type 

Loan Description

Terms

APR As Low As*

Auto (new/used/refinance)

  

Model Year 2023-2025

Up to 36 Months 

4.99%

48 Months

5.50%

60 Months 

6.00%

72 Months 

6.25%

84 Months

6.50%

Model Year 2019-2022

36 Months 5.75%

48 Months

6.00%

60 Months

6.50%

72 Months

6.75%

84 Months

7.25%

Model Year 2018***

48 Months

7.25%

Boats & RV’s

New (2021-2022)

Up to 60 Months

5.00%

61-84 Months

5.25%

85-180 Months

6.00%

Used (2020 and older)

Up to 60 Months

5.50%

61-84 Months

5.75%

85-180 Months

6.50%

Shared Secured Loan

 –

Up to 60 Months

4.25%

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 8.50%**

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

APY

Savings

$100+

0.05%

0.05%

Club accounts (holiday and vacation)

$100+

0.05%

0.05%

Money Market

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

• 0.80%
• 0.90%
• 1.00%

• 0.80%
• 0.90%
• 1.00%

CERTIFICATES & IRAS

Account details 

Term

Interest Rate

APY

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

• 4.25%
• 4.15%
• 4.15%
• 4.05%
• 4.00%
• 3.75%
• 3.25%
• 3.00%

• 4.25%
• 4.15%
• 4.15%
• 4.05%
• 4.00%
• 3.75%
• 3.25%
• 3.00%

Individual Retirement Accounts (IRAs)

0.10%

0.10%

CD Special
New money only,
$25,000 minimum

9 months

4.50%

4.50% 

*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 3/1/2024

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