Rates

Savings

Dividend rates currently in effect as of October 1, 2025, 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

3.30%

3.25%

 $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

4.34%

4.25%

 $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
2 ½ Years

3.66%

3.60%

 $500.00 90 Days Dividends
3 Years

3.66%

3.60%

 $500.00 90 Days Dividends
4 Years

3.76%

3.70%

 $500.00 180 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


Jump to a Section:
MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Mortgages

 

Rates currently in effect as of October 1, 2025, 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 6.250% 6.299%


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 October 1, 2025.

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 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.

 


Jump to a Section:
MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Personal Loans


Rates currently in effect as of October 1, 2025, 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 5 years
Savings Share rate + 2.25%


Secured by Money Market Share
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Terms available up to 5 years
Money Market Share rate + 2.25%


Secured by Share Certificates
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Flexible terms available up to 5 years
Share Certificate rate + 2.25%


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



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MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Auto Loans


Rates currently in effect as of October 1, 2025, subject to change at any time without prior notice.

New Auto

Loans up to 80% of Purchase Price, $75,000 Max Per Loan

Rates as low as 3.99% APR

 
 
Used Auto
Loans up to 80% of Purchase Price, $40,000 Max Per Loan, 2021 or newer models

Rates as low as 4.50% APR

New Car Refinancing
Up to 18 months old - Original Owner/Dealer Certified

Same Rates as New Cars.



Jump to a Section:
MORTGAGES PERSONAL AUTO STUDENT CREDIT CARDS

Self Reliance New York FCU Student Loans

Rates currently in effect as of October 1, 2025, 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 October 1, 2025, 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%