Rates

Savings

Dividend rates currently in effect as of January 28, 2026, subject to change at any time without prior notice.

The annual percentage yield is accurate as of the last dividend declaration date.

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

 
Dividends accrued daily, paid quarterly. Dividends on Money Market account accrued daily, paid monthly.
Fees could reduce the earnings on share accounts.
 

*APY - Annual Percentage Yield - calculated on the assumption that dividends remain on deposit.

Transactional Accounts
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Type APY* Dividend Rate Minimum Balance to Open Withdrawal Limit
Regular Shares

0.40%

0.40%

 $50.00 None
High Yield Savings

3.20%

3.15%

 $5,000.00 None
Share Drafts

0.10%

0.10%

 None None
Business Draft

0.10%

0.10%

None

 None
Escrow

0.05%

0.05%

 None Credit Union Only
Money Market

1.30%

1.30%

 $1,000.00 None



Share Certificates

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* Dividend Rate Minimum Balance Early Withdrawal Penalty
3 Months

2.27%

2.25%

 $500.00 30 Days Dividends
6 Months

4.08%

4.00%

 $500.00 30 Days Dividends
9 Months

3.04%

3.00%

 $500.00 90 Days Dividends
1 Year

3.56%

3.50%

 $500.00 90 Days Dividends
1 ½ Years

3.56%

3.50%

 $500.00 90 Days Dividends
2 Years

3.61%

3.55%

 $500.00 90 Days Dividends
3 Years

3.66%

3.60%

 $500.00 90 Days Dividends
5 Years

3.92%

3.85%

 $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* Dividend Rate Minimum Balance Withdrawal Limit
Traditional

4.08%

4.00%

 None None
Roth

4.08%

4.00%

 None None
Coverdell
(CESA)

4.08%

4.00%

 None None


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MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Mortgages

 

Rates currently in effect as of January 28, 2026, subject to change at any time and without prior notice. 

Payments shown do not include taxes and insurance amounts.  The actual payment obligation will be larger. 
Other restrictions apply. Example based on a $250,000 loan. These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

First Mortgage 1-4 Family Owner Occupied 
Fixed Rate - No Points
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Term Rate As Low As APR As Low As
10-Year Fixed 5.750% 5.864%
15-Year Fixed 6.000% 6.081%
20-Year Fixed 6.125% 6.189%
30-Year Fixed 6.125% 6.173%


First Mortgage 1-4 Family Owner Occupied 
 Adjustable Rate - No Points
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Term Rates As Low As APR As Low As
3/3-Year ARM
(30-Year Payout)		 5.625% 5.672%
5/5 (63 mos)-Year ARM 
(30-Year Payout)		 5.875% 5.923%
7/7-Year ARM
(28-Year Payout)		 6.125% 6.173%
3-Year Fixed/1-Year ARM
(30-Year Payout)		 5.500% 5.547%
5-Year Fixed/1-Year ARM (63 mos)
(30-Year Payout)
 5.750% 5.797%
7-Year Fixed/1-Year ARM
(30-Year Payout)
6.000%
 6.048%
 
 


Residential Second Mortgage* Rates
No Points
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Term Rate APR
10-Year Fixed 7.25% 7.328%
15-Year Fixed 7.38%
 7.436%

*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 January 28, 2026.

Rates are subject to change at any time and without prior notice.

Commercial Mortgages*
Investment Property - No Points
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Max LTV Fixed Term Loan Rate Max Amort.
75% Refi., Cashout or Purchase 5/5/10 Year Balloon from 6.000% 30 years
75% Refi., Cashout or Purchase 6 Year Balloon from 6.250% 30 years
75% Refi., Cashout or Purchase 12 Year Balloon from 6.750% 30Years
75% Refi., Cashout or Purchase 12 Year Fixed
 from 6.000% 12 years

The above loan products are available for non owner occupied 1-4 family houses and condominiums, multi family residential apartment buildings and mixed use investment properties. Commercial Loans are risk rated. The final interest rate on your loan will be based on your credit history, the loan to value, collateral and other risk components associated with the loan. To make an appointment to discuss your Commercial Loan, please contact one of our Loan Specialists.

 


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MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Personal Loans


Rates currently in effect as of February 2, 2026, subject to change at any time without prior notice. 

*For Secured Loans, the loan rate is tied to the share rate at time of closing.

Secured by Regular Shares

Terms available up to 10 years
Savings Share rate + 2.50%


Secured by Money Market Share
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Terms available up to 10 years
Money Market Share rate + 2.50%


Secured by Share Certificates
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Flexible terms available up to 10 years
Share Certificate rate + 2.50%


Unsecured Personal Loans
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Term

APR1
1 to 5 years

Rate as low as 6.99% APR
1APR = Annual Percentage Rate. Rates for this product are determined by an evaluation of applicant credit; not all applicants will qualify. Your rate may vary from the rate shown. APR is increased by .25% without automatic payment. All rates are subject to change without notice. 


Jump to a Section:
MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Auto Loans

Rates currently in effect as of February 2, 2026, subject to change at any time without prior notice.

 

New 

Finance up to 120% of the vehicle value 3

 Terms  APR1,2
Up to 48 Months As low as 4.89%
49 to 66 Months As low as 4.99%
67 to 75 Months As low as 5.19%
76 to 84 Months As low as 5.59%

2022-2026
Finance up to 115% of the vehicle value 3

 Terms  APR1,2
Up to 48 Months As low as 4.89%
49 to 66 Months As low as 4.99%
67 to 75 Months As low as 5.19%
76 to 84 Months As low as 5.59%

 

2019-2021
Finance up to 110% of the vehicle value 3

Terms

 APR1,2

Up to 48 Months

As low as 5.54%

49 to 66 Months

As low as 5.74%

67 to 75 Months

As low as 6.14%

 

2010-2018
Finance up to 105% of the vehicle value 3

 

Terms

APR1,2

Up to 48 Months

As low as 7.14%

49 to 63 Months

As low as 8.29%
1APR = Annual Percentage Rate. Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Refinance transactions may be subject to a rate adjustment. Your rate can be higher depending on credit performance. Rate is subject to change without notice. Other conditions may apply. Self Reliance NY FCU offers auto loans for new and used cars. All rates are subject to change without notice. 2Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. 3Value is based on Kelley Blue Book or NADA clean retail value. The actual amount financed can vary based on creditworthiness and age of the vehicle.  



Jump to a Section:
MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Self Reliance New York FCU Student Loans

Rates currently in effect as of January 1, 2026, 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:
MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

VISA Credit Cards - No Annual Fees

Rates currently in effect as of January 1, 2026, 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%