Loans

Each of our members is an owner. That brings some sweet benefits. At a typical bank, you have to buy stock to get in on the action. At Adirondack Regional FCU, instead of paying dividends to shareholders, we give our members lower interest rates on loans, and higher rates on savings. And to join, all you have to do is live, work, worship or go to school in Essex, Franklin, St. Lawrence, or Clinton counties.

Loan rates accurate as of 07/01/2022
Loan Type Approximate Term Annual Percentage Rate as Low As
New Vehicles 36 Months 3.75%
  48 Months 4.00%
  60 Months 4.25%
  72 Months 4.75%
  84 Months 5.00%
Loan rates accurate as of 07/01/2022
Loan Type Approximate Term Annual Percentage Rate as Low As
Used Vehicles 36 Months 4.00%
  48 Months 4.50%
  60 Months 4.75%
  72 Months 5.00% (over 30,000)
Loan rates accurate as of 07/01/2022
Loan Type Year Approximate Term Annual Percentage Rate as Low As
RV's 2020/newer 60 Months 5.00%
  2020/newer 48 Months 4.75%
  2020/newer 36 Months 4.50%
  2019/older 48 Months 5.00%
Loan rates accurate as of 07/01/2022
Loan Type Approximate Term Annual Percentage Rate as Low As
New Campers & Boats 24-36 Months 4.00%
  48-60 Months 4.50%
  72-84 Months 5.00% (Over $30,000)
  120 Months 6.50% (Over $30,000)
  up to 180 Months 6.75% (Over $40,000)
Loan rates accurate as of 07/01/2022
Loan Type Approximate Term Annual Percentage Rate as Low As
Used Campers & Boats 24-36 Months 4.25%
  48-60 Months 4.75%
  72-84 Months 5.75% (Over $30,000)
  120 Months 6.75% (Over $30,000)
  up to 144 Months 7.25% (Over $40,000)
Loan rates accurate as of 07/01/2022
Loan Type   Approximate Term Annual Percentage Rate as Low As
Signature Loans Unsecured 36 Months 8.00%
  Consolidation 36 Months 8.00%
  Overdraft 12 Months 12.00%
  Share/Certificate 60 Months 3.50%
Loan rates accurate as of 07/01/2022
Loan Type Approximate Term Annual Percentage Rate as Low As
Mortgages 1-10 Years 4.50%
  11-20 Years 5.25%
  21-30 Years 5.50%
Loan rates accurate as of 07/01/2022
Loan Type Approximate Term Annual Percentage Rate as Low As
Home Equity Loans 1-15 Years 5.50%
Loan rates accurate as of 07/01/2022
Loan Type Approximate Term Credit Score
Home Equity Line of Credit Prime - 0.25% 700+
Floor: 3.99% Prime Flat 680 - 699
Cap: 15:00% Prime + 2.00% 650 - 670

Certificates

Our sense is that it’s easier to convey the value of a chartered institution when you connect it to something tangible. By linking “low rates” with membership, you establish that relationship.

Rates accurate as of 02/23/2022
Term Annual Percentage Rate (APR) Annual Percentage Yield (APY) Minimum Deposit
Share Certificates (CD's)      
1 Year 0.40% 0.40% $1,000.00
2 Years 0.50% 0.50% $1,000.00
3 Years 0.65% 0.65% $1,000.00
4 Years 0.80% 0.80% $1,000.00
5 Years 1.00% 1.00% $1,000.00
Individual Retirement Accounts (IRAs)      
Regular Shares 0.10% 0.10% $1,000.00
Regular Shares > $15,000 0.55% 0.55% $1,000.00

  • The ANNUAL PERCENTAGE RATE (APR) you will receive for the above Sub-Accounts may vary with the above-stated range and is based on certain creditworthiness criteria. Please ask a loan officer for the rate you qualify for.
  • The Annual Percentage Rate for all advances will be the Current Prime Rate on the date of the advance plus the percentage shown in the ‘Percent Above Index’ column above. Once an advance has been made on a particular Sub-Account the Annual Percentage Rate for that advance on that Sub-Account will not change until an additional advance on that Sub-Account has been made and at that time the Annual Percentage Rate will change to the Current Prime Rate on that advance date plus the percentage shown in the ‘Percent Above Index’ column shown above.
  • Filing Fee:
    You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.
  • Vendor’s Single Interest:
    You must obtain the vendor’s single interest insurance to obtain this loan. The insurance fee is $40.00. All subrogation rights are waived by the insurer.
  • Late Charges:
    5% of loan payment amount on every payment ten days past due.