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Get financing here in the Hudson Valley! For Your Information


A home improvement loan can provide the financing to make your home feel like you! Remodel your kitchen, build a deck, or update the bathroom. Whatever your home improvement project is, our quick decision making, along with competitive rates and flexible loan terms can make it happen!

  • Competitive rates for home improvement projects
  • Repayment terms tailored to fit your budget
  • No pre-payment penalty
  • Prompt decision-making and processing
  • Friendly service from our experienced lending team

*Offer applies to an owner-occupied, primary residence within New York State. Ask your tax advisor for information regarding tax deductibility.


To apply online, simply hit the [APPLY NOW] button on top, or down below. By applying online, our local, in-house lenders can start processing your loan request right away.

Or, feel free to fill out an application at a branch of your choosing.

For questions, give us a call at (800) 847-4283, and ask to speak with a lending officer.


Membership means you may qualify for life and/or disability insurance on your loan. This insurance is offered through our partner, Cuna Mutual Group.

Rate(s) per $1,000 of your monthly loan balance are as follows:

Life Insurance Disability Insurance
Single Life - $0.60 Single Disability - $2.14
Joint Life - $0.96 Joint Disability - $4.07

*Restrictions apply: Total Benefit Maximum for Life Insurance is $55,000. Total Benefit Maximum for Disability Insurance is $30,000. Maximum issue age for both Life and Disability Insurance is 70.

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If you are a non-member, and are approved for a loan, you will need to establish membership with us. In order to open an account, you must be eligible for membership, and become a member by opening a Member Savings Account of at least $25.00.

*All rates, terms, and offers are subject to change at any time without notice. Member Loyalty Discount does not apply.