Rates

Fixed Rate Home Equity Line of Credit  
This table represents Fixed Rate Home Equity Line of Credit loans and their specifics. The first column is the term. The remaining columns represent the Annual Percentage Yield, the position requirement and loan to value maximum, and the draw period.
Term APR1 Positions/LTV2 Draw Period
   %   4 years
   %   4 years
   %   4 years
   %   4 years
   %   4 years
   %   4 years
   %   4 years
   %   4 years
Variable Rate Home Equity Line of Credit
Term APR3 Positions/LTV2 Draw Period
   % (Prime - 0.50%)
Intro: 1.99% rate for 12 months4
  10 Years
   % (Prime - 0.50%)
Intro: 1.99% rate for 12 months4
  10 Years
   % (Prime + 0.50%)
Intro: 2.99% rate for 12 months4
  10 Years
   % (Prime + 2.00%)
Intro: 4.25% rate for 12 months4
  10 Years
Auto Loan Rates

All rates include .25% discount for automatic payments.5These two tables are a list of vehicle loans, the terms and rates. The first column is the term. The remaining columns represent the rate for a specific age of the vehicle.
APR1 for Model Years
2016-2021
APR1 for Model Years
2014-2015
APR1 for Model Years
2013 and Older
2 Year Loan  %  %  %
3 Year Loan  %  %  %
4 Year Loan  %  %  %
5 Year Loan  %  % N/A
6 Year Loan  % N/A N/A
APR1 for Model Years
2021-2022
APR1 for Model Years
2016-2020
7 Year Loan6  %  %
Credit Card Rates
This table is a list of Credit Cards and their specific rates. The first column is the type of credit card. The remaining column represent the specific Annual Percentage Rate for that card.
APR1 Parameters
   % Fixed
   % Fixed
Personal Loan Rates
This table is a list of personal loans and rates. The first column is the term. The remaining column represent the rate.
APR1
6 Months7  %
1 Year7  %
 7  %
 7  %
 7  %
 7  %
Student Loan Rates
This table is a list of student loan products and their specifics. The first column is the product name. The remaining columns represent the term, annual percentage rate, and if the loan has a fixed or variable rate.
Term APR1 Parameters
   : Prime + 3.00%  % Variable
RV / Boat Loan Rates
This table is a list of RV and Boat loans, the terms and rates. The first column is the term. The remaining columns represent the rate for either a new or used vehicle loan.
APR1 (New) APR1 (Used)
5 Years  %  %
10 Years  %  %
Checking Line of Credit Rates This table is a list of Checking Line of Credit products. The first column is the product name. The remaining columns represent the annual percentage rate and if the rate is fixed or variable.
APR1 Parameters
   % Variable
  1. APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall credit worthiness. Variable rates may increase over time. 

  2. A first position loan is the primary lien against your property - this is usually a traditional mortgage or can be in the form of a Home Equity Loan. A second position Home Equity Loan is on top of your first mortgage.

    Loan to Value (LTV) is the total loan amount including first mortgage ÷ property value. For instance, an appraised value of $200,000 and a total mortgage (including any second mortgages) of $180,000 results in a Loan to Value ratio of 90%. Interest rates will increase based on Loan to Value.

  3. The Annual Percentage Rate (APR) shall be set at the time of funding and may be as high as the current Prime Rate plus 2% with a maximum APR of 18%. A representative monthly payment based on a fixed, 10-year term Home Equity Line of Credit in first mortgage position at a 3.875% Annual Percentage Rate is $10.07 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice. No closing costs on home equity lines of credits (HELOCs) up to $250,000. Discharge fees and overnight shipping charges are excluded where applicable. If the HELOC is paid and closed within 3 years of the closing date there is a recapture fee in which you will have to reimburse the Credit Union for all closing costs paid on your behalf. Estimated recapture fee examples include $457 in closing costs and a maximum average of $2,475 in New York state mortgage tax for Albany, Schenectady, and Rensselaer counties. Actual closing costs and mortgage tax may be different.

    All Lines of Credit require a minimum initial advance of $5,000 and a minimum limit of $10,000. Other rates are available and subject to change without notice. Mortgages in New York State only. CAP COM FCU NMLS Identifier: 401261.

  4. APR = Annual Percentage Rate. Intro rate effective for first 12 months. Rate is subject to adjustment annually and the first variable rate adjustment will occur one year from the loan funding date. The floor rate will be set at the time of loan funding, will be in effect for the life of the loan, and will be indicated on the loan agreement. Loans with LTVs of up to 90% in first position and LTVs of up to 90% in second position will be equal to the Prime Rate minus 0.50%. Loans with LTVs between 91% - 100% will be equal to the Prime Rate plus 2% with a maximum APR of 18%.

  5. All rates quoted are the lowest available rates, actual rate will be based on overall credit worthiness. Representative monthly Auto Loan payment based on a five-year term at a 2.34% fixed Annual Percentage Rate is $17.64 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice. Financing a new vehicle may include MSRP, taxes, and dealer fees). Financing a used vehicle may include NADA retail value, taxes, and dealer fees. All recreational vehicles must be registered and titled in New York State.

  6. 7 Year Loans require a minimum of $15,000, may finance up to 110% of the vehicle's value, and available to credit qualified applicants.

  7. The representative monthly payment based on a 5-year term Personal Loan at 7.49% Annual Percentage Rate is $20.03 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice.