Rates

Loans | Savings | Certificates

Check Out Our Great Loan Rates

Loans (Special promotions may change rates)	Interest Rate	APR*	Term (mo.)
Automobile - Based on length of loan and creditworthiness. Rate as low as 2.9%.			n/a	Calculator
Home Equity - Variable & Fixed rate. Call the office (716-433-7740) for more information.			180	Calculator
Home Improvement - Rates as low as 6.9%			n/a	Calculator
Home Mortgages - Daily rates			n/a	Calculator
Line-of-Credit / Overdraft	13.90	13.90	n/a	Calculator
Share Secured - Based on length of loan. Rates as low as 3.9%			n/a	Calculator
Share Certificate Secured - Certificate rate plus 2% - Term=Cert. Maturity			n/a	Calculator
Signature - Based on length of loan and creditworthiness. Rates as low as 6.9%.			n/a	Calculator

*APR = Annual Percentage Rate
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Dividends shown are for the period ending December 31, 2011. Dividends for the current period may vary depending upon income. A minimum deposit of $5 is required. Fees may reduce earnings on accounts.

Savings	Dividend Rate	APY*
Share (Savings)
$100 - $1,999.99	0.30	0.30
$2,000 - $4,999.99	0.35	0.35
$5,000 - $19,999.999	0.40	0.40
$20,000 and up	0.50	0.50
Share Draft (Checking)	0.15	0.15
I.R.A. - Variable	1.25	1.26

*APY = Annual Percentage Yield
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Rates as of January 1, 2012. All certificates are a minimum of $1,000. A penalty may apply for early withdrawal.

Certificates	Dividend Rate	APY*
6 month Share Certificate	0.50	0.50
1 year Share Certificate	0.85	0.85
2 year Share Certificate	1.10	1.10
3 year Share Certificate	1.40	1.41
4 year Share Certificate	1.70	1.71
5 year Share Certificate	2.00	2.02

*APY = Annual Percentage Yield
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