Main office:  (315)785-2400  Hours: Mon – Fri 8:00am – 3:00pm.   Branch office: (315)785-2470 Hours: Mon – Fri 8:00am – 4:30pm

Loan Rates

Effective 06/16/2025

Auto and Motorcycle Loans
TermAPR* (as low as)
up to 36 months4.99%
up to 48 months5.24%
up to 60 months5.49%
up to 72 months5.74%
up to 84 months6.24%
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account
Recreational Vehicle Loans (Boats, RVs, Campers, ATVs, etc.)
TermAPR* (as low as)
up to 36 months6.49%
up to 60 months6.74%
up to 84 months7.24%
up to 120 months7.49%
up to 180 months7.74%
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account
Personal Loans
TermAPR* (as low as)
up to 36 months8.49%
up to 48 months8.49%
up to 60 months8.74%
up to 72 months9.24%
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account
Credit Builder Loan
TermAPR*
1st Loan – $50012 months16.00%
2nd Loan – $1,00012 months14.00%
First Credit Builder Loan payment = $45.37 per month. Second Credit Builder Loan payment = $89.79 per month.
Home Equity Line of Credit (Variable-Rate)
Loan-to-ValueAPR* (as low as)
up to 85%Prime Rate – 0.25%
up to 100%Prime Rate + 0.25%
Variable Rate is tied to Prime and adjusted semi-annually. Rate will not go below 3.25%. Minimum initial credit advance required of $5,000. Minimum advance of $500 after initial draw. Home Equity Line of Credit has a 5-year draw period. You may apply to refinance balances into a fixed-rate with our conversion product. Maximum loan amount of $40,000 for loan-to-value of 100%.
Home Equity Fixed-Rate Conversion
TermUp to 85% LTV
APR* (as low as)		Up to 100% LTV
APR* (as low as)
up to 60 months5.75%6.50%
up to 84 months5.75%6.50%
up to 120 months6.00%6.75%
up to 180 months6.25%7.00%
During the draw period, balances from a Home Equity Line of Credit may be converted into a fixed-rate for repayment. Additional advances may be taken at a variable rate of interest. No more than three segments may be converted and open at any one time. You must have an outstanding balance of at least $5,000 at the time you wish to convert this loan to a fixed rate of interest.

*APR = Annual Percentage Rate. Loan rates vary and are determined by each individual’s credit history, collateral conditions and term of loan. Rates are subject to change without notice. Subject to credit approval.