Checking Account Rates
Last Updated on April 6, 2026April 6, 2026
| Minimum Balance to Open Account | Minimum Balance to Obtain APY | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|---|
| $50.00 | $500.00 | 0.03% | 0.03% |
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Premier Checking: Consumers, Premier Plan only
| Minimum Balance to Open Account | Minimum Balance to Obtain APY | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|---|
| $50.00 | $0.01 | 0.05% | 0.05% |
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Community Checking: Non-Profit
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Premier Checking: Consumers, Premier Plan only
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Community Checking: Non-Profit
Savings & Money Market Account Rates
Last Updated on April 6, 2026April 6, 2026April 6, 2026April 6, 2026
| Minimum Balance to Open Account | Minimum Balance to Obtain APY | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|---|
| $2.00 | $0.01 | 0.65% | 0.65% |
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Holiday Club: Consumers Only
| Minimum Balance to Open Account | Minimum Balance to Obtain APY | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|---|
| $10.00 | $0.01 | 0.05% | 0.05% |
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Smart Start Savings: Consumers Only
| Minimum Balance to Open Account | Minimum Balance to Obtain APY | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|---|
| $50.00 | $0.01 | 0.05% | 0.05% |
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
| Minimum Balance to Open Account | Minimum Balance to Obtain APY | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|---|
| $10,000.00 | $0.01 $10,000.00 $100,000.00 $250,000.00 $500,000.00 | 0.20% 1.98% 2.47% 2.96% 3.30% | 0.20% 2.00% 2.50% 3.00% 3.35% |
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Platinum Money Market: Personal, Business, Non-profit, Trusts, Estates
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Holiday Club: Consumers Only
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Smart Start Savings: Consumers Only
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
$10,000.00
$100,000.00
$250,000.00
$500,000.00
1.98%
2.47%
2.96%
3.30%
2.00%
2.50%
3.00%
3.35%
*Annual Percentage Yield is current as of last updated date and may change after the account is opened. Fees may reduce earnings on the account.
Platinum Money Market: Personal, Business, Non-profit, Trusts, Estates
CD and IRA Rates
Last Updated on April 6, 2026April 6, 2026April 6, 2026
| Minimum Deposit To Obtain APY and To Open Account | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|
| $10,000.00 | 3.57% | 3.60% |
*Annual Percentage Yield (APY) is accurate as of last updated date. APY calculation assumes interest credited remains on deposit for the term of the CD. Promotional CD products automatically renew to a non-promotional CD product. Penalties will be imposed for early withdrawal and may reduce earnings. Offers may be withdrawn or changed at any time.
1 Available to personal and business customers.
| Minimum Deposit To Obtain APY and To Open Account | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|
| $500.00 | 3.27% | 3.30% |
*Annual Percentage Yield (APY) is accurate as of last updated date. APY calculation assumes interest credited remains on deposit for the term of the CD. Promotional CD products automatically renew to a non-promotional CD product. Penalties will be imposed for early withdrawal and may reduce earnings. Offers may be withdrawn or changed at any time.
1 Available to personal and business customers.
| Minimum Deposit To Obtain APY and To Open Account | Interest Rate | Annual Percentage Yield (APY)* | |
|---|---|---|---|
| $500.00 | 3.17% | 3.20% |
*Annual Percentage Yield (APY) is accurate as of last updated date. APY calculation assumes interest credited remains on deposit for the term of the CD. Promotional CD products automatically renew to a non-promotional CD product. Penalties will be imposed for early withdrawal and may reduce earnings. Offers may be withdrawn or changed at any time.
1 Available to personal and business customers.
*Annual Percentage Yield (APY) is accurate as of last updated date. APY calculation assumes interest credited remains on deposit for the term of the CD. Promotional CD products automatically renew to a non-promotional CD product. Penalties will be imposed for early withdrawal and may reduce earnings. Offers may be withdrawn or changed at any time.
1 Available to personal and business customers.
*Annual Percentage Yield (APY) is accurate as of last updated date. APY calculation assumes interest credited remains on deposit for the term of the CD. Promotional CD products automatically renew to a non-promotional CD product. Penalties will be imposed for early withdrawal and may reduce earnings. Offers may be withdrawn or changed at any time.
1 Available to personal and business customers.
*Annual Percentage Yield (APY) is accurate as of last updated date. APY calculation assumes interest credited remains on deposit for the term of the CD. Promotional CD products automatically renew to a non-promotional CD product. Penalties will be imposed for early withdrawal and may reduce earnings. Offers may be withdrawn or changed at any time.
1 Available to personal and business customers.
Auto Loan
Last Updated on April 6, 2026April 6, 2026April 6, 2026April 6, 2026April 6, 2026
| Repayment | APR* | Payment | |
|---|---|---|---|
| 36 Months | 5.40% | 36 monthly payments of $30.15 per $1,000 borrowed. | |
| 48 Months | 5.60% | 48 monthly payments of $23.30 per $1,000 borrowed. | |
| 60 Months | 5.70% | 60 monthly payments of $19.19 per $1,000 borrowed. | |
| 66 Months | 5.80% | 66 monthly payments of $17.73 per $1,000 borrowed. | |
| 72 Months | 5.90% | 72 monthly payments of $16.53 per $1,000 borrowed. |
*All loans subject to application and approval.
| Repayment | APR* | Payment | |
|---|---|---|---|
| 36 Months | 5.10% | 36 monthly payments of $30.02 per $1,000 borrowed. | |
| 48 Months | 6.20% | 48 monthly payments of $23.58 per $1,000 borrowed. | |
| 60 Months | 6.30% | 60 monthly payments of $19.47 per $1,000 borrowed. | |
| 66 Months | 6.40% | 66 monthly payments of $18.01 per $1,000 borrowed. | |
| 72 Months | 6.50% | 72 monthly payments of $16.81 per $1,000 borrowed. |
*All loans subject to application and approval.
| Repayment | APR* | Payment | |
|---|---|---|---|
| 36 Months | 6.60% | 36 monthly payments of $30.69 per $1,000 borrowed. | |
| 48 Months | 6.70% | 48 monthly payments of $23.81 per $1,000 borrowed. | |
| 60 Months | 6.80% | 60 monthly payments of $19.71 per $1,000 borrowed. | |
| 66 Months | 6.90% | 66 monthly payments of $18.25 per $1,000 borrowed. |
*All loans subject to application and approval.
| Repayment | APR* | Payment | |
|---|---|---|---|
| 36 Months | 8.10% | 36 monthly payments of $31.38 per $1,000 borrowed. | |
| 48 Months | 8.35% | 48 monthly payments of $24.58 per $1,000 borrowed. | |
| 60 Months | 8.45% | 60 monthly payments of $20.49 per $1,000 borrowed. |
*All loans subject to application and approval.
| Repayment | APR* | Payment | |
|---|---|---|---|
| 36 Months | 8.35% | 36 monthly payments of $31.50 per $1,000 borrowed. | |
| 48 Months | 8.60% | 48 monthly payments of $24.70 per $1,000 borrowed. |
*All loans subject to application and approval.
*All loans subject to application and approval.
*All loans subject to application and approval.
*All loans subject to application and approval.
*All loans subject to application and approval.
*All loans subject to application and approval.
Boat or Recreational Vehicle – Fixed Rate Loans
Last Updated on April 6, 2026April 6, 2026April 6, 2026April 6, 2026
| Term | Model Year | APR* | Payment | |
|---|---|---|---|---|
| 180 Month Maximum | Latest 4 Model Years | 7.99% | 180 monthly payments of $9.55 per $1,000 borrowed. | |
| 180 Month Maximum | 5 Years and Older | 8.49% | 180 monthly payments of $9.84 per $1,000 borrowed. |
*All loans subject to application and approval.
| Term | Model Year | APR* | Payment | |
|---|---|---|---|---|
| 144 Month Maximum | Latest 4 Model Years | 8.50% | 144 monthly payments of $11.10 per $1,000 borrowed. | |
| 144 Month Maximum | 5 Years and Older | 9.00% | 144 monthly payments of $11.38 per $1,000 borrowed. |
*All loans subject to application and approval.
| Term | Model Year | APR* | Payment | |
|---|---|---|---|---|
| 84 Month Maximum | Latest 4 Model Years | 10.99% | 84 monthly payments of $17.12 per $1,000 borrowed. | |
| 84 Month Maximum | 5 Years and Older | 11.49% | 84 monthly payments of $17.38 per $1,000 borrowed. |
*All loans subject to application and approval.
| Term | Model Year | APR* | Payment | |
|---|---|---|---|---|
| 60 Month Maximum | Latest 4 Model Years | 11.50% | 60 monthly payments of $21.99 per $1,000 borrowed. | |
| 60 Month Maximum | 5 Years and Older | 12.00% | 60 monthly payments of $22.24 per $1,000 borrowed. |
*All loans subject to application and approval.
*All loans subject to application and approval.
*All loans subject to application and approval.
*All loans subject to application and approval.
*All loans subject to application and approval.
Personal Loans
Last Updated on April 6, 2026
| Personal Loans | Term | APR* | Payment | |
|---|---|---|---|---|
| Fixed Rate | 1 Year | 6.99% | 12 monthly payments of $86.52 per $1,000 borrowed. | |
| Fixed Rate | 2 Year | 7.99% | 24 monthly payments of $45.22 per $1,000 borrowed. | |
| Fixed Rate | 3 Year | 8.99% | 36 monthly payments of $31.80 per $1,000 borrowed. | |
| Fixed Rate | 4 Year | 9.99% | 48 monthly payments of $25.36 per $1,000 borrowed. | |
| Fixed Rate | 5 Year | 10.99% | 60 monthly payments of $21.74 per $1,000 borrowed. |
* All loans subject to application and approval.
* All loans subject to application and approval.
Home Improvement Loans
Last Updated on April 6, 2026
| Home Improvement Loans | Term | APR* | Payment | |
|---|---|---|---|---|
| Fixed Rate | 1 Year | 6.49% | 12 monthly payments of $86.29 per $1,000 borrowed. | |
| Fixed Rate | 2 Year | 7.49% | 24 monthly payments of $45.00 per $1,000 borrowed. | |
| Fixed Rate | 3 Year | 8.49% | 36 monthly payments of $31.56 per $1,000 borrowed. | |
| Fixed Rate | 4 Year | 9.49% | 48 monthly payments of $25.12 per $1,000 borrowed. | |
| Fixed Rate | 5 Year | 10.49% | 60 monthly payments of $21.49 per $1,000 borrowed. |
* All loans subject to application and approval.
* All loans subject to application and approval.
Mobile Home Loans
Mobile Home Loans are offered in conjunction with First Credit Corporation. Please call 518-725-5000 for details.
Lines of Credit
Last Updated on April 6, 2026April 6, 2026
| Rate Type | APR* | |
|---|---|---|
| Fixed Rate | 12.96% |
*All loans subject to application and approval.
| Rate Type | APR* | |
|---|---|---|
| Variable Rate* | 11.75% |
*All loans subject to application and approval.
*All loans subject to application and approval.
*All loans subject to application and approval.
Mortgage and Home Equity Loans
Last Updated on August 13, 2026August 13, 2026August 13, 2026
| Mortgage Product | Rate | Points | APR1 | Monthly Payment 1 | |
|---|---|---|---|---|---|
| 30 Year Conventional Fixed | 6.500% | 0 | 6.560% | 1264.14 | |
| 20 Year Conventional Fixed | 6.250% | 0 | 6.329% | 1461.86 | |
| 15 Year Conventional Fixed | 6.000% | 0 | 6.098% | 1687.71 | |
| 10 Year Conventional Fixed | 6.000% | 0 | 6.139% | 2220.41 | |
| 30 Year Construction Draw Loan | 6.625% | 0.5 | 6.723% | 1280.62 | |
| Conventional 5/6 ARM SOFR Index | 5.625% | 0 | 6.045% | 1151.31 | |
| Conventional 10/6 ARM SOFR Index | 6.375% | 0 | 6.408% | 1247.74 |
| Home Equity Loan | Rate3 | APR2 | Monthly Payment2 | |
|---|---|---|---|---|
| Home Equity Loan 20 Year Fixed (First Lien Position) | 0.000% | 41.67 | ||
| Home Equity Loan 15 Year Fixed (First Lien Position) | 6.250% | 6.250% | 85.74 | |
| Home Equity Loan 10 Year Fixed (First Lien Position) | 6.000% | 6.000% | 111.02 | |
| Home Equity Loan 5 Year Fixed (First Lien Position) | 6.000% | 6.000% | 193.33 | |
| Home Equity Loan 20 Year Fixed (Second Lien Position) | 6.750% | 6.750% | 76.04 | |
| Home Equity Loan 15 Year Fixed (Second Lien Position) | 6.500% | 6.500% | 87.11 | |
| Home Equity Loan 10 Year Fixed (Second Lien Position) | 6.250% | 6.250% | 112.28 | |
| Home Equity Loan 5 Year Fixed (Second Lien Position) | 6.000% | 6.000% | 193.33 |
| Home Equity Line of Credit | Start Rate | Index | Draw Period | Repay Period | Payment | |
|---|---|---|---|---|---|---|
| HELOC With 1 Year Discount | 5.00% | Prime + 0 | 10 Years | 15 Years | I/O |
Commercial Loan Rates
Commercial loan pricing is customized to each borrower’s specific situation. Please contact our commercial banking team for more information.
Check out our special offers for small business lending.
