(716) 634-3881      6470 Main Street, Suite 5 Amherst, NY 14221

Competitive Loan and Savings Rates

Savings Rates



Share and Holiday Club Dividends

Balance APR* APY**
$100.00 0.20% .20%

Dividends on Shares and Holiday Club Accounts are earned on the average daily balance and paid quarterly. Annual Percentage Yield (APY) assumes that dividends remain on deposit for one year. Rates quoted are those paid at the most recent quarter end and expected to be paid for the current quarter. However, because dividends are paid out of current income and established quarterly by the Board of Directors, rates are not guaranteed for the current quarter.


Term Share Certificates

Term APR* APY**
1 year 0.30% .30%

Minimum deposit $1,000.00. Dividends credited quarterly and must be left on deposit to earn stated APY. Rates are subject to change without advance notice and reflect market conditions.

Rate for a certificate is established on the date that the certificate is opened. The rate is constant for the term of the certificate. Substantial penalties are applied to Term Share Certificates including IRA accounts if funds are withdrawn prior to maturity.

Loan Rates



Loan Type APR*
New auto As low as 2.74%
Used auto As low as 3.24%
Recreational vehicles As low as 7.24%
Classic vehicles As low as 5.24%
Share Secured Loans 1.00% lower than our lowest interest rate
Unsecured Loans As low as 7.24%
First Mortgages Call for rates
Mini Equity Fixed Rate Line of Credit 7.50%
Home Equity Variable Rate Line of Credit*** As low as prime, or prime +2%
Home Equity Fixed Rate Line of Credit As low as 7.75%
Visa® Classic *max $5,000.00) 12.90%
Visa® Platinum (max $15,000.00) As low as 8.95%

Fee Schedule



Account Fees
New Membership Fee $1.00
Deposited Item Returned NSF $25.00
Payment Returned NSF $25.00
Domestic Wire Transfer $20.00
Foreign Wire Transfer $40.00
Automatic Overdraft Transfer Fee

Manual Overdraft Transfer

$5.00

$8.00

Statement (per page) $1.00
Return of Member’s Draft NSF $25.00
Check Photocopy (Internet) $5.00 / check up to 5
Check Cashing / Pass Thru Fee $10.00 / transaction
Debit Card Reactivation Fee $25.00
CU Check Withdrawal Fee $2.00 / check after 1 free
Visa Travel Card Fee $5.00 each
Visa Gift Card Fee $4.00 each

ATM Service Fees
ATM Transactions¹ $1.00 each including inquiries
ATM/Debit Replacement Card $10.00
Visa® Check Card² Free

Six (6) free ATM transactions per month with Direct Deposit or $1,000.00 minimum balance. **ATM charges apply when used as ATM card; includes overdraft loan protection.


Visa® Credit Card Fees
Annual Fee None
Late Payment Fee $25.00
NSF Fee $25.00

If you incur any of the above mentioned fees, it may result in the reduction of earnings on dividends.


*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. *** Prime rate is 5.25% effective 9/27/18 as published in the Wall Street Journal. The maximum ANNUAL PERCENTAGE RATE that can apply is 18% or the maximum permitted by law, whichever is less. You must pay certain fees to third parties to open the plan. These fees generally total between $300.00 and $1,800.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.