Rates

Secured Loans

Account Minimum / Maximum Financing Fixed APR Variable APR Apply
Rates are accurate as of 12/1/16 and are subject to change without notice. APR = Annual Percentage Rate. The variable APR is subject to increase.
Pledge of Certificate Account 100% of certificate balance ADR + 3% 23 na Contact Us
Pledge of Savings 100% of savings balance ADR + 3% 23 na Contact Us
Savings Secured Line of Credit Increments of $100 up to 100% of savings balance na ADR + 3% 123 Contact Us
Stock (NYSE & AMEX) 70% of previous day’s closing 4.34% 2 na Apply Online
Stock Line of Credit 70% of previous day’s closing in increments of $500 na 6.30% 12 Apply Online

1 The Annual Percentage Rate (APR) is subject to increase. The maximum rate is 18%.

2 The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate.

3 ADR = Annual Dividend Rate


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PO Box 1071, Poughkeepsie, NY 12602-1071
ph: 845.463.3011 / 800.468.3011

Routing Number : 221979363
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