Our Loan Programs:

CONSUMER LOANS - Click to Apply

EQUITY LOANS

MORTGAGE LOANS

 

To Apply for a Consumer Loan: Click Here

To make getting a loan more convenient for you, we are reinventing our loan processing. With this change you will see new lending documentation. We will provide you with an brief application that you can use to apply for and agree to credit services on one form. For your peace of mind and protection you can also elect payment protection.

Here's how it works: To apply for a loan simply complete the Application and Plan Signatures form and return to us. Once you have completed the "one-time" loan application and we have it on file, you will only have to provide us with brief updates to obtain future loan advances. Each time you need to borrow just let us know. You may request loan advances in person, by phone, by FAX, or via our online loan application. It's that easy.

When you have been approved for an advance, we will supply you with the repayment terms and a description of the collateral for the advance. Then, we can deposit the loan funds directly into your account so that you can have immediate use of your funds. We look forward to serving your lending needs. Stop by the office at 23 Division Street or call 518.583.2323 to see how easy obtaining a loan can be.

Personalized lending also rewards you with some of the lowest rates in our area based on your individual credit history.

We also offer our membership a wide array of loan programs. These programs are offered at competitive rates and flexible terms. There are several different payment options such as payroll deduction, direct deposit, or automatic transfer from your credit union savings or checking account. In most cases, we will approve a loan request within 24 hours, excluding home loans.

We offer these other great features to compliment your borrowing experience:

AUTOGUARD Vehicle Service Contract Program, Comprehensive Vehicle Protection for New and Pre-Owned Vehicles.

Your vehicle is a major investment. It makes good financial sense to protect that investment. Mechanical failures can be unexpected and costly, but you can guard against them with the AUTOGUARD coverage that best suits your needs and financial situation. All AUTOGUARD coverage provide protection against mechanical failure. Whether a part breaks or merely wears out... you're covered.