Rates & Fees

Loan Rates

Loan Rates Effective: July 1, 2020

Personal Loan

TermAPRCredit Limit
24 Month4.00%$2,500.00
30 Month4.50% 
36 Month5.00%$5,000.00
48 Month6.00% 

Revolving LOC Loan

TermAPRCredit Limit
Revolving Open End LOCas low as 7.00%$10,000 Single / $20,000 Joint Maximum

Variable APR Rates may change on January 1st and July 1st of each year

12-Month Short Term Loan

12 Month3.25%

Debt Consolidation

TermAPRCredit Limit
36 Month6.50%$10,000.00
48 Month7.00% 
60 Month7.50% 

All loans are subject to credit approval and Loan Rates may vary based on your Experian credit score. Published Rates are established for a credit with a score of 730-779.

New Autos (2019-2020)

TermAPRCredit Limit
36 Month2.50%Up To 100% Financing
48 Month2.75%
54 Month3.00%
60 Month3.25% 
66 Month3.50%
72 Month3.75%


Used Autos (2019-2014)

TermAPRCredit Limit
36 Month2.75%Book Retail Value
48 Month3.00% 
54 Month3.25%
60 Month3.50% 
66 Month3.75%
72 Month4.00% 


10 Year4.00%
15 Year4.50%
20 Year5.00%

15% – 20% Down Payment Required w/no PMI

10% Down Payment Required w/PMI

Home Equity

6 Year4.50%
8 Year5.00%
10 Year5.50%
12 Year6.00%
15 Year6.50%

80% Loan to Equity Value

$10,000 Minimum Financing

Interest may be tax deductible, consult your tax advisor!

Home Improvement

60 Month5.50%$10,000.00
72 Month5.75%$10,000.00
84 Month6.00%$20,000.00
96 Month6.50%$30,000.00
108 Month7.00%$40,000.00
120 Month7.50%$50,000.00

Non-Owner Occupied

10 Year Mortgage6.00%
12 Year Mortgage6.50%
15 Year Mortgage7.00%

25% Down Payment Required

Pass Book (Share Pledged)

DescriptionAPRLoan Amount
Regular Dividend Rate
10 Year Maximum Term
2.75%$500.00 Minimum

Share Rates

Share Rates Effective: August 1, 2020 - August 31, 2020

The Board of Directors’ declared the following dividends for the 2nd Quarter of 2020.

Share Accounts

AccountAPR RateAPY RateMinimum Average Daily Balance
Regular Share Account.062%.062%$250
Premium Share Account.125%.125%$2,500
Premium Share Draft Checking.062%.062%$2,500
Club Accounts.125%.125%$250
HSA Share Draft Checking
(Health Savings Accounts)
YOUTH ACCOUNTS.25%.25%$100
IRA Share Account.50%.501%$1,000

Share Certificate Accounts

IRA's Based on Share Certificates below

TermAPR RateAPY RateMinimum Average Daily Balance
12 Month.25%.25%

$25,000 - $250,000

 3-Month Penalty for Early Withdrawal


$1,000 - $24,999

 3-Month Penalty for Early Withdrawal

2 Year.375%.376%

$25,000 - $250,000

 6-Month Penalty for Early Withdrawal


$1,000 - $24,999

 6-Month Penalty for Early Withdrawal

3 Year.50%.501%

$25,000 - $250,000

 6-Month Penalty for Early Withdrawal


$1,000 - $24,999

 6-Month Penalty for Early Withdrawal

4 Year.625%.626%

$25,000 - $250,000

 6-Month Penalty for Early Withdrawal


$1,000 - $24,999

 6-Month Penalty for Early Withdrawal

5 Year.75%.752%

$25,000 - $250,000

 6-Month Penalty for Early Withdrawal


$1,000 - $24,999

 6-Month Penalty for Early Withdrawal

APR – Annual Percentage Rate

APY – Annual Percentage Yield

Penalties may be imposed on Term Share accounts for early withdrawal.

Dividend rates are calculated using average daily balance and are paid quarterly.

Club Accounts are declared and credited at maturity. $5.00 fee for withdrawals.

Current rates are subject to change without notice and are based on current market conditions.

Share Dividends are paid on accounts with a minimum average daily balance of $250.00 or more.

Rates shown for Regular Share accounts are from the previous quarter and current quarterly rates have not been determined. The current quarterly rate will be published at the end of the quarter.

For more information call: [716] 771 3434 or [716] 873 1174

Fee Schedule

Effective: January 1st, 2020

ATM and Debit Cards

Debit Card Replacement Fee$10.00
PIN Reminder Fee$2.00
Overdrawn Account Fee$25.00

All Shares and Share Draft Checking Accounts


Escrow Accounts

(Water, Insurance, Tax and User Fee Payments)

$75.00 Set-up Fee
Negative Share Draft Balance Fee$5.00 fee every 5-Days negative
Automatic Overdraft Transfer from Savings$2.00 per Item
Club Accounts Withdrawal Fee$5.00 per Withdrawal

HSA Initial Account Set-up Fee

HSA Monthly Maintenance Fee

$10.00 per Account / $10.00 Additional Debit Cards

$1.00 per Month

ACH Payment Change Order$10.00 per Change Item
ACH Return Fee$25.00 per item
Non-Sufficient Funds Fee$25.00 per item
Deposit Item Returned (Return Check Fee)$25.00 per item
Stop Payment Fee (Share Draft Check)$20.00 per Share Draft Check
Stop Payment Fee (Over-the Counter Check)$35.00 per Over-the-Counter Check

Account Closure Fee

(Account Closure Fee only assessed if account is closed within 90 days of being opened)


Research Fees


Statement Copies

$2.00 per Statement
Check Copies$2.00 per Check
Account History Copy$2.00 per Computer Printout

Additional Fees


Wire Transfers - Outgoing

$20.00 per Wire
Credit Union Checks2 Free per Month / $3.00 Each Additional CU Check
Dormant / Inactive Account Fee$5.00 per Month (After 2 Years if Account is $1,000 or Less)
Legal Services & Judgments$50.00
Loan Refinancing Fee$50.00
Mortgage & Home Equity Loans$300.00 (Application & Documentations Fee) Upon Approval
Discharge of Mortgage$55.00
Rate Modification Fee$250.00
Loan Coupon Book$10.00 per Book
Lien Release Copy$5.00

Locations & Customer Service

Elma Location

Address: 1751 Transit Road, Elma, New York 14059
Phone: [716] 771 3434
Fax: [716] 771 3435

Hours of Operation:

Monday:         9:00am - 4:00pm

Tuesday:        9:00am - 4:00pm

Wednesday:  9:00am - 4:00pm

Thursday:      9:00am - 4:00pm

Friday:           9:00am - 5:00pm

Saturday:  Closed
(Closed Holiday Weekends)

Get Directions

Buffalo Location

Address: 927 Grant Street, Buffalo, New York 14207
Phone: [716] 873 1174
Fax: [716] 873 1256

Hours of Operation:

Monday:         9:00am - 4:00pm

Tuesday:        Closed

Wednesday:  9:00am - 4:00pm

Thursday:      Closed

Friday:           9:00am - 5:00pm

Saturday:       Closed

Get Directions