HAPPY THANKSGIVING
THE CREDIT UNION WILL BE CLOSED ON THURSDAY, NOVEMBER 27TH AND FRIDAY, NOVEMBER 28TH FOR THE THANKSGIVING HOLIDAY. THE BOARD OF DIRECTORS AND STAFF WOULD LIKE TO WISH YOU A SAFE AND HAPPY THANKSGIVING.

For Your Peace of Mind...
YOUR MONEY AND CREDIT UNION ARE SAFE, STRONG, AND WE ARE WELL POSITIONED TO SERVE YOU, OUR MEMBERS!

ANNUAL FREE CREDIT REPORT
REQUEST YOUR REPORT AT WWW.ANNUALCREDITREPORT.COM, BY PHONE AT 1-877-322-8228, OR STOP BY THE CREDIT UNION OFFICE AND PICK UP A FORM TO MAKE THE REQUEST BY MAIL.

Please call us at 518.643.9915 for more information on any of our loans. To apply online, you will need the FREE Adobe Reader plugin.

Signature Loans
Loan Type	Term	APR
Max. $10,000	1-60 mo.	8.75%

NEW/USED AUTO LOAN RATES
Loan Type	Term	APR
New/Used Auto	36 mo.	4.75%
	48 mo.	5.25%
	60 mo.	5.75%
$20,000.00 +	72 mo.	6.25%
$30,000.00 +	84 mo.	6.75%
100% Financing of sticker price (New)/NADA retail value (Used)

NEW and USED ATV's, Seadoo's & Snowmobiles
Loan Type	Term	APR
	36 mo.	4.75%
	48 mo.	5.25%
	60 mo.	5.75%
80% Financing of sticker price (New)/NADA retail value (Used)

NEW and USED Campers, Boats, Motorhomes & Motorcycles
Loan Type	Term	APR
	36 mo.	4.75%
	48 mo.	5.50%
	60 mo.	6.00%
Minimum Value:   $20,000	72 mo.	6.50%
$30,000	84 mo.	7.25%
$40,000	120 mo.	7.75%
$40,001 - $50,000*   *Maximum amount financed.	144 mo.	8.50%
90% Financing of sticker price (New)/NADA retail value (Used)

Your rate may vary from the above rates and will be determined by your credit history.

You may be eligible to receive and extra 1/4 % off for each of the following incentives:

1) Pay your loan by Direct Deposit or Payroll deduction.

2) Active Share Draft (Checking Account).

LOAN RATES
Loan Type	Term	APR
Share Secured		4.50%
CD Secured		3.00% over CD Rate
Open Line of Credit (Max. $2,000)		14.25%

Please call us at 518.643.9915 for current Mortgage Rates.

All rates are subject to change without notice.

APR - Annual Percentage Rate.