Savings

Rates currently in effect, 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

**

**

$50.00 None
Share Drafts

**

**

$500.00
in Reg Share Acct
None
Business Draft

**

**

$1,050.00
in Reg Share Acct

None
Escrow

**

**

None Credit Union Only
Money Market

**

**

$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.

** For current rates on all our products call the Credit Union.

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

**

**

$500.00 30 Days Dividends
6 Months

**

**

$500.00 30 Days Dividends
9 Months

**

**

$500.00 90 Days Dividends
1 Year

**

**

$500.00 90 Days Dividends
1 ½ Years

**

**

$500.00 90 Days Dividends
2 Years

**

**

$500.00 90 Days Dividends
2 ½ Years

**

**

$500.00 90 Days Dividends
3 Years

**

**

$500.00 90 Days Dividends
4 Years

**

**

$500.00 180 Days Dividends
5 Years

**

**

$500.00 180 Days Dividends


 

Individual Retirement Accounts
(IRAs)

Dividends accrued daily, paid quarterly.

** For current rates on all our products call the Credit Union.

*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 ** ** None None
Roth ** **None None
Coverdell
(CESA)
** ** None None


Jump to a Section:

Mortgages

Rates currently in effect, 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 3.05% 3.0518% 9.68
12-Year Fixed 3.10% 3.0896%  8.32
15-Year Fixed 3.15% 3.1537% 6.98
20-Year Fixed 3.70% 3.6944% 5.90
25-Year Fixed 3.90% 3.8940% 5.22
10-Year Balloon
(2o-Year Payout)
3.40% 3.4032% 5.75
12-Year Balloon
(25-Year Payout)
3.60% 3.5999% 5.06


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)
2.50% 4.1562% 3.95
3-Year ARM
(30-Year Payout)
2.75% 4.4330% 4.08
5-Year ARM
(30-Year Payout)
2.85% 4.5200% 4.14
7-Year ARM
(28-Year Payout)
3.20% 4.6284% 4.51
3-Year Fixed/1-Year ARM
(30-Year Payout)
2.95% 4.4227% 4.19
5-Year Fixed/1-Year ARM
(30-Year Payout)
3.00% 4.3074% 4.22
7-Year Fixed/1-Year ARM
(30-Year Payout)
3.10% 4.2502% 4.27


Cooperative/Condominium/Town Houses 
 Fixed Rates - No Points
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Term Rate APR Cost per $1,000
10-Year Fixed 3.10% 3.0950% 9.70
12-Year Fixed 3.15% 3.1533% 8.35
15-Year Fixed 3.20% 3.1950% 7.00
20-Year Fixed 3.75% 3.7521% 5.93
25-Year Fixed 3.95% 3.9485% 5.25
10-Year Balloon
(20-Year Payout)
3.45% 3.4423% 5.77
12-Year Balloon
(25-Year Payout)
3.65% 3.6555% 5.09


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)
2.55% 4.2071% 3.98
3-Year ARM
(30-Year Payout)
2.80% 4.4820% 4.11
5-Year ARM
(30-Year Payout)
2.90% 4.5630% 4.16
7-Year ARM
(28-Year Payout)
3.25% 4.6763% 4.54
3-Year Fixed/1-Year ARM
(30-Year Payout)
3.00% 4.4719% 4.22
5-Year Fixed/1-Year ARM
(30-Year Payout)
3.05% 4.3520% 4.24
7-Year Fixed/1-Year ARM
(30-Year Payout)
3.15% 4.2989% 4.30


Residential Second Mortgage* Rates
No Points
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Term Rate APR Cost per $1,000
10-Year Fixed 5.20% 5.1907% 10.70
15-Year Fixed 5.30% 5.3093% 8.07

*Please call the Loan Department for further information.


Jumbo Mortgages

Applies to Loans from $500,000 and Greater - Residential, Co-ops, Condos. 

Add 25 Basis Points to Applicable Rate. No Points.


Commercial Mortgages*
Investments - No Points
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Description Rate
Up to 12-Years Fixed
(Amortization up to 30-Years)
From 5.500%
Adjustable Rates From 4.625%

*Please call the Loan Department for further information.


Commercial Mortgages* 
Owner Occupied 5-8 Families - No Points
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Description Rate
Fixed Rates
(Amortization up to 30-Years)
From 4.950%
Adjustable Rates From 4.325%

*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
(Amortization up to 30-Years)
From 4.950%
Adjustable Rates From 4.325%

*Please call the Loan Department for further information. 


Jump to a Section:

Personal Loans

Rates currently in effect, subject to change at any time without prior notice.


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Secured by Regular Shares
Term APR
12 Months or less 2.35%
13-24 Months 2.60%
25-36 Months 2.85%
37-48 Months 3.10%
49-60 Months 3.45%


Secured by Money Market Account
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Term APR
12 Months or less 2.80%
13-24 Months 3.05%
25-36 Months 3.30%


Secured by Share Certificates
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Term APR
12 Months or less 3.20%
13-24 Months 3.45%
25-36 Months 3.80%
37-48 Months 3.95%
49-60 Months 4.40%


Unsecured Personal Loans
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Term APR
Up to 36 Months 12.00%
37-60 Months 12.25%



Jump to a Section:

Auto Loans

Rates currently in effect, subject to change at any time without prior notice.

1.99% APR New Car Loan Special
New Auto
Loans up to 85% of Purchase Price, $50,000 max per loan
Term APR
12 Months 1.99%
24 Months 1.99%
36 Months 1.99%
48 Months 1.99%
60 Months 1.99%


Used Auto
Loans up to 80% of Purchase Price, $30,000 max per loan; 
2013 or newer models
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Term APR
2013 - 36 Months max 5.00%
2014 - 36 Months max 5.00%
2015 - 48 Months max  4.50%
2016 - 48 Months max 4.50%


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, subject to change at any time without prior notice.


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Term APR
Up to 60 Months7.80%



Jump to a Section:

VISA Credit Cards - No Annual Fees

Rates currently in effect, 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%