Savings
Rates currently in effect as of May 18, 2023, subject to change at any time without prior notice.
** For current rates on all our products call the Credit Union.**
Dividends accrued daily, paid quarterly. Dividends on Money Market account accrued daily, paid monthly.
*APY - Annual Percentage Yield - calculated on the assumption that dividends remain on deposit.
Transactional Accounts
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| Type | APY* | Rate | Minimum Balance | Withdrawal Limit |
|---|---|---|---|---|
| Regular Shares |
0.50% |
0.50% |
$50.00 | None |
| Share Drafts |
** |
** |
$500.00 in Reg Share Acct |
None |
| Business Draft |
** |
** |
$1,050.00 |
None |
| Escrow |
** |
** |
None | Credit Union Only |
| Money Market |
2.27% |
2.25% |
$2,500.00 | 6 per month |
Share Certificates
(Certificates of Deposit)
Dividends accrued daily, paid quarterly for all maturities except on 3 and 6 month certificates.
Dividends on 3 and 6 month certificates are paid at maturity.
*APY - Annual Percentage Yield - calculated on the assumption that dividends remain on deposit until maturity of share certificate. A penalty will be imposed upon early withdrawal.
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| Term | APY* | Rate | Minimum Balance | Early Withdrawal Penalty |
|---|---|---|---|---|
| 3 Months |
2.27% |
2.25% |
$500.00 | 30 Days Dividends |
| 6 Months |
2.27% |
2.25% |
$500.00 | 30 Days Dividends |
| 9 Months |
2.27% |
2.25% |
$500.00 | 90 Days Dividends |
| 1 Year |
5.00% |
4.88% |
$500.00 | 90 Days Dividends |
| 1 ½ Years |
4.34% |
4.25% |
$500.00 | 90 Days Dividends |
| 2 Years |
4.39% |
4.30% |
$500.00 | 90 Days Dividends |
| 2 ½ Years |
4.39% |
4.30% |
$500.00 | 90 Days Dividends |
| 3 Years |
4.44% |
4.35% |
$500.00 | 90 Days Dividends |
| 4 Years |
4.44% |
4.35% |
$500.00 | 180 Days Dividends |
| 5 Years |
4.60% |
4.50% |
$500.00 | 180 Days Dividends |
Individual Retirement Accounts
(IRAs)
Dividends accrued daily, paid quarterly.
*APY - Annual Percentage Yield - calculated on the assumption that dividends remain on deposit.
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| Type | APY* | Rate | Minimum Balance | Withdrawal Limit |
|---|---|---|---|---|
| Traditional |
4.60% |
4.50% |
None | None |
| Roth |
4.60% |
4.50% |
None | None |
| Coverdell (CESA) |
4.60% |
4.50% |
None | None |
Jump to a Section:
Mortgages
Rates currently in effect as of October 28, 2022, subject to change at any time and without prior notice.
First Mortgage 1-4 Family Owner Occupied
Fixed Rate - No Points
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| Term | Rate | APR | Cost per $1,000 |
|---|---|---|---|
| 10-Year Fixed | 5.30% | 5.448% | $10.75 |
| 12-Year Fixed | 5.35% | 5.476% | $9.42 |
| 15-Year Fixed | 5.40% | 5.505% | $8.11 |
| 20-Year Fixed | 5.60% | 5.685% | $6.94 |
|
25-Year Fixed
|
5.90% | 5.974% | $6.38 |
| 30-Year Fixed | 6.10% | 6.167% | $6.06 |
| 10-Year Balloon (2o-Year Payout) |
5.80% | 5.908% | $6.19 |
| 12-Year Balloon (25-Year Payout) |
6.00% | 6.094% | $5.42 |
First Mortgage 1-4 Family Owner Occupied
Adjustable Rate - No Points
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| Term | Rate | APR | Cost per $1,000 |
|---|---|---|---|
| 1-Year ARM (30-Year Payout) |
4.90% | 6.508% | $5.30 |
| 3-Year ARM (30-Year Payout) |
4.90% | 6.140% | $5.31 |
| 5-Year ARM (30-Year Payout) |
4.95% | 6.214% | $5.34 |
| 7-Year ARM (28-Year Payout) |
5.25% | 5.929% |
$5.68
|
| 3-Year Fixed/1-Year ARM (30-Year Payout) |
4.90% | 6.121% | $5.31 |
| 5-Year Fixed/1-Year ARM (30-Year Payout) |
5.00% | 5.847% | $5.37 |
| 7-Year Fixed/1-Year ARM (30-Year Payout) |
5.20%
|
5.925% | $5.50 |
Cooperative/Condominium/Town Houses
Fixed Rates - No Points
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| Term | Rate | APR | Cost per $1,000 |
|---|---|---|---|
| 10-Year Fixed | 5.35% | 5.499% | $10.77 |
| 12-Year Fixed | 5.40% | 5.527% | $9.45 |
| 15-Year Fixed | 5.45% | 5.555% | $8.14 |
| 20-Year Fixed | 5.65% | 5.735% | $6.96 |
| 25-Year Fixed | 5.95% | 6.024% | $6.41 |
| 30-Year Fixed | 6.15% | 6.217% | $6.09 |
| 10-Year Balloon (20-Year Payout) |
5.85% | 5.958% | $6.21 |
| 12-Year Balloon (25-Year Payout) |
6.05% | 6.144% | $5.43 |
Cooperative/Condominium/Town Houses
Adjustable Rates - No Points
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| Term | Rate | APR | Cost per $1,000 |
|---|---|---|---|
| 1-Year ARM (30-Year Payout) |
4.95% | 6.513% | $5.34 |
| 3-Year ARM (30-Year Payout) |
4.95% | 6.153% | $5.34 |
| 5-Year ARM (30-Year Payout) |
5.00% | 6.218% | $5.37 |
| 7-Year ARM (28-Year Payout) |
5.30% | 5.956% | $5.71 |
| 3-Year Fixed/1-Year ARM (30-Year Payout) |
4.95% | 6.134% | $5.34 |
| 5-Year Fixed/1-Year ARM (30-Year Payout) |
5.05% | 5.867% | $5.40 |
| 7-Year Fixed/1-Year ARM (30-Year Payout) |
5.25% | 5.950% | $5.52 |
Residential Second Mortgage* Rates
No Points
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| Term | Rate | APR | Cost per $1,000 |
|---|---|---|---|
| 10-Year Fixed | 7.65% | 7.827% | $11.95 |
| 15-Year Fixed | 7.75% |
7.903% | $10.69 |
*Please call the Loan Department for further information.
Jumbo Mortgages
Jumbo mortgages are available at the same rates as listed above.
Please inquire with the Loan Department.
Commercial Mortgage Rates currently in effect as of October 28, 2022.
Rates are subject to change at any time and without prior notice.
Commercial Mortgages*
Investments - No Points
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| Description | Rate |
|---|---|
| Up to 10-Years Fixed (Amortization up to 30-Years) |
From 5.725% |
| Adjustable Rates | From 5.125% |
*Please call the Loan Department for further information.
Commercial Mortgages*
Non-Owner Occupied 5-8 Families - No Points
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| Description | Rate |
|---|---|
| Fixed Rates |
From 5.400% |
| Adjustable Rates | From 5.250% |
*Please call the Loan Department for further information.
Commercial Mortgages*
Non-Owner Occupied 1-4 Families - No Points
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| Description | Rate |
|---|---|
| Fixed Rates |
From 5.400% |
| Adjustable Rates | From 5.250% |
*Please call the Loan Department for further information.
Jump to a Section:
Personal Loans
Rates currently in effect as of October 28, 2022, subject to change at any time without prior notice.
Cost per $1,000 is based on maximum term amounts for each loan type.
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Secured by Regular Shares
| Term | APR | Cost per $1,000 |
|---|---|---|
| 12 Months or less | 2.35% | $84.39 |
| 13-24 Months | 2.60% | $42.80 |
| 25-36 Months | 2.85% | $29.01 |
| 37-48 Months | 3.10% | $22.18 |
| 49-60 Months | 3.45% | $18.17 |
Secured by Money Market Account
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| Term | APR | Cost per $1,000 |
|---|---|---|
| 12 Months or less | 3.45% | $84.90 |
| 13-24 Months | 3.70% |
$43.30 |
| 25-36 Months | 3.95% | $29.50 |
Secured by Share Certificates
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| Term | APR | Cost per $1,000 |
|---|---|---|
| 12 Months or less | 4.15% | $85.21 |
| 13-24 Months | 4.40% | $43.60 |
| 25-36 Months | 4.60% | $29.79 |
| 37-48 Months | 4.65% | $22.87 |
| 49-60 Months | 4.75% | $18.76 |
Unsecured Personal Loans
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| Term | APR | Cost per $1,000 |
|---|---|---|
| Up to 36 Months | 12.00% | $33.21 |
| 37-60 Months | 12.25% | $22.37 |
Jump to a Section:
Auto Loans
Rates currently in effect as of October 28, 2022, subject to change at any time without prior notice.
New Auto
Loans up to 85% of Purchase Price, $50,000 max per loan
| Term | APR | Cost per $1,000 |
|---|---|---|
| 12 Months | 2.99% | $84.69 |
| 24 Months | 2.99% | $42.98 |
| 36 Months | 2.99% | $29.08 |
| 48 Months | 2.99% | $22.13 |
| 60 Months | 2.99% | $17.96 |
Used Auto
Loans up to 80% of Purchase Price, $30,000 max per loan;
2019 or newer models
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| Term | APR | Cost per $1,000 |
|---|---|---|
| 2019 - 36 Months max | 5.00% | $29.97 |
| 2020 - 36 Months max | 5.00% | $29.97 |
| 2021 - 48 Months max | 4.50% | $22.80 |
| 2022 - 48 Months max | 4.50% | $22.80 |
New Car Refinancing
Up to 18 months old - Original Owner/Dealer Certified
Same Rates as New Cars.
Jump to a Section:
Self Reliance New York FCU Student Loans
Rates currently in effect as of October 28, 2022, subject to change at any time without prior notice.
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| Term | APR | Cost per $1,000 |
|---|---|---|
| Up to 60 Months | 7.80% | $20.18 |
Jump to a Section:
VISA Credit Cards - No Annual Fees
Rates currently in effect as of October 28, 2022, subject to change at any time without prior notice.
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| Description | APR |
|---|---|
| Visa Classic | 9.95% |
| Visa Gold | 9.50% |
| Visa Platinum | 8.90% |