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 Services

Featured Rates

New and Used Auto


Boats and Campers


ATVs and Snowmobiles


Personal Loans


All rates APR = Annual Percentage Rate. Rate subject to change without notice.

You Deserve It!!

You deserve putting more of your hard earned money into your pockets so take advantage of our low loan rates paying less interest and saving you more money!! Finance the automobile you’ve been wanting, take that vacation, buy the camper and boat, consolidate higher interest rate debts, or complete those home improvements. Get started now with the easy online loan application or call 315-785-2470 and speak to a loan officer. 

Get Pre-approved Today!

Competitively Low Loan Rates!! Whether you’re looking for a vehicle, home improvements, or just some extra cash, you’ll find our rates are designed just for you.

We Offer

  • Competitively low loan rates 
  • Flexible repayment terms to fit your budget 
  • Refinancing available 
  • Same day approval in most cases 
  • Easy payroll deduction payments 
  • GAP Insurance
  • Life and Disability payment protection
  • Auto / Homeowners Insurance

Vehicle Loans

We have low rates for new and used vehicles.
Get up to 110% financing!
GAP insurance available.
Call us today for more details!

Other Collateral Secured

100% Financing Available!
Loans for New, & Used Merchandise such as ATV’s, Motorcycles, Boats, Campers, and more…

Share Secured Loan

Borrow from your own savings account at a rate of only 1.5% above the rate currently being earned on your savings account.
All monies pledged will earn dividends quarterly. Ask us for more information.

Signature Loan

Planning your vacation or retirement? Need some extra cash? Competitive rates created just for you! Whatever your hearts desire may be, this is your loan to get just that! All applications accepted.