Rates subject to change without notice.

Rates subject to change without notice.

Penalty for early withdrawal.

Rates subject to change without notice.

Penalty for early withdrawal.

Rates subject to change without notice.

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

GAP insurance required for 100% financing.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

GAP insurance required for 100% financing.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Maximum Financing:
New – 100% Purchase Price
Used – 100% NADA Book Value

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Maximum Financing:

90% appraised value up to $50,000

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

¹Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

²Rate varies based on average prime rates and other loan characteristics.

³Member Loyalty Rate Discount does not apply.

⁴All home loan rates and offers apply to an owner-occupied, primary residence within New York State.

Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Member Loyalty Rate Discount does not apply.

¹Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

²Rate varies based upon average prime rate, plus other loan characteristics.

³Member Loyalty Rate discount not applicable on this product.

⁴All home loan rates and offers apply to an owner-occupied, primary residence within New York State.