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Rates

Personal Accounts
Account Type Min. Balance APY*
Primary Savings $100.00 0.50%
Club Accounts $100.00 0.50%
Checking $100.00 0.00%
Individual Retirement Account $100.00 0.50%
Business Accounts
Account Type Min. Balance APY*
Business Savings $100.00 0.50%
Business Checking $100.00 0.10%

Savings Rates Effective 01/15/2025.

*APY = Annual Percentage Yield. Savings rates are variable and may change after account opening.

Early withdrawal penalites may reduce earnings on Certificate accounts.

Auto and Motorcycle Loans
Type Max. Term APR Loan Limit
New Auto
(with Direct Deposit)		 6 Years 5.75% $100,000
Up to 95% LTV
New Auto
(without Direct Deposit)		 6 Years 6.25% $100,000
Up to 95% LTV
Used Auto up to 5 years old
(with Direct Deposit)		 5 Years 6.49% $25,000
Up to 85% LTV
Used Auto up to 5 years old
(without Direct Deposit)		 5 Years 6.99% $25,000
Up to 85% LTV
Used Auto over 5 years old 3 Years 9.50% $25,000
Up to 75% LTV
New Motorcycle
(with Direct Deposit)		 6 Years 5.75% $65,000
Up to 95% LTV
New Motorcycle
(without Direct Deposit)		 6 Years 6.25% $65,000
Up to 95% LTV
Used Motorcycle up to 5 years old
(with Direct Deposit)		 5 Years 6.49% $15,000
Up to 85% LTV
Used Motorcycle up to 5 years old
(without Direct Deposit)		 5 Years 6.99% $15,000
Up to 85% LTV
Used Motorcycle over 5 years old 3 Years 9.50% $15,000
Up to 75% LTV
Personal Loans
Type Max. Term APR Loan Limit
Personal Loan 4 Years 6.50% $30,000
Share Secured Loan 3 Years Share Rate + 2.00% No limit
Overdraft Line of Credit 3 Years 13.50% $5,000
Apprentice Loan 2 Years 6.00% $5,000
Visa Credit Card   3.99% $15,000

Loan Rates Effective 01/01/2025. Subject to loan approval.

Conventional
Term APR*
30 Years 6.000%
20 Years 5.875%
15 Years 5.750%

 

HELOC
Term APR*
25 Years 6.75%

 * Loan rates Subject to change. Please call 718 847-0202 for latest rates.

Fee Schedule
Item Charge
Primary Savings - Balance below $100 $10.00 per month
Overnight Mail $20.00
Draft Returned for NSF $15.00
Returned Deposit Item $15.00
Outgoing Wire Transfer $30.00
Incoming Wire Transfer $20.00

*An account is "Inactive" when there has been no activity on the account for two years.

** Surcharges at other Financial Institutions may apply.