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Tax Forms are now available by selecting 'eStatements' from the main menu in Internet Banking or the 'More' menu in our Mobile App.
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Rates

Regular Share & IRA Certificates

Rates are valid as of 01/18/25

Certificate Term
APY1 & Dividend Rate
Minimum Amount
1 Month
3.50%
$50
6 Months
3.85%
$50
12 Months
4.00%
$50
18 Months
3.75%
$50
24 Months
3.75%
$50
36 Months
3.75%
$50
48 Months
3.75%
$50
Jumbo
1 to 48 Months
Add 0.10% to yield listed above.
$90,000

Personal Accounts

Rates effective as of 03/01/25

Account Type2
Minimum Deposit to Open
APY1
Super Savings
$5
0.30%
Checking
$5
0.10%
IRA Savings
None
0.40%

1 APY = Annual Percentage Yield. Dividends posted to share account monthly. A penalty may be imposed for early withdrawal. Early redemption of a share certificate may result in the following penalty: If the term of the certificate is less than 24 months, the forfeiture of the dividends is the smaller of the following amounts: Dividends since the date of issuance OR 90 day’s dividends. If the term is 24 months or greater, the forfeiture of the dividends is the smaller of the following amounts: Dividends since the date of issuance OR 180 day’s dividends.

2 Rates subject to change without notice. APY is accurate as of the last dividend declaration. Fees may reduce earnings.

Consumer Loan Rates1

In effect as of 01/15/25

Auto
Loan Terms
Annual Percentage Rate
New & Used
Up to 36 months
5.00%
New & Used
Up to 60 months
5.00%
New & Used
Up to 72 months
5.25%
New Only
Up to 84 months
6.25%

Motorcycle/Off-Road Vehicle Loan Terms
(90% Maximum LTV)
Annual Percentage Rate
Up to 60 months
7.75%

Boat, RV, and Trailer Vehicle Loan Terms
(90% Maximum LTV)
Annual Percentage Rate
Up to 72 months
7.75%
Up to 180 months
8.75%

VISA Credit Cards
Annual Percentage Rate
VISA Platinum – Purchases & Cash
9.49%

Personal Loans and Lines of Credit
Annual Percentage Rate
Fixed Rate (Up to 60 months)
10.00%
Variable Rate Open-end Line of Credit2
12.50%
Overdraft Line of Credit
17.50%

1 Rates are subject to change without notice. All credit is subject to approval and must meet credit granting terms and conditions. Rates do not apply to refinance of an existing Pittsford FCU loan.

2 APR may adjust quarterly on the 1st of January, April, July and October.  Rate calculation based on the 6-month Treasury Bill plus margin of 8% rounded to the nearest one quarter of one percent.  Will not increase or decrease more than 2% at any one adjustment. Maximum APR 18.00%.

Mortgage Rates

Effective 03/13/25

(Rates subject to change at any time without prior notice)

Mortgage Products
Rate
Annual Percentage Rate
10 Year (No Points)
5.375%
5.563%
15 Year (No Points)
5.500%
5.633%
20 Year (No Points)
5.875%
5.984%
30 Year (No Points)
6.500%
6.659%

Home Equity Line of Credit Rates

Effective 12/19/24 Prime Rate is 7.500%

Home Equity Lines of Credit1
Lifetime Index and Margin
Contract APR
PRIME MINUS

(Lines $5,000 – $200,000 and LTV up to 85%)
Prime Rate Minus 0.25%
7.250%

Home Equity Loan/Home Improvement Loan Rates

Rates are valid as of 09/11/24

Product
Fixed APR
Maximum Term
Maximum Financing
Home Equity Loan2

$5,000 – $200,000
6.75%
Up to 60 months
Up to 90%
Home Equity Loan2

$5,000 – $200,000
7.00%
Up to 120 months
Up to 90%
Home Equity Loan2

$5,000 – $200,000
7.75%
Up to 240 months
Up to 85%
Home Improvement Loan3

$5,000 – $50,000
8.00%
Up to 120 months
Up to 100% of the

cost of improvements

1 The contract rate is variable and may increase or decrease quarterly based on the Prime Rate plus your contract margin but will never be higher than 13.50%. Closing costs for lines up to $50,000 are waived. Closing cost on lines over $50,000 is equal to 0.75% of the amount over $50,000. Early closeout penalty if the line is closed in the first 24 months. Ask your tax advisor regarding tax deductibility of interest paid on this Home Equity Line of Credit. Property insurance and flood insurance, if applicable, are required.

2 Closing costs for loan amounts up to $50,000 are waived. Closing costs for loan amounts over $50,000 is equal to 0.75% of the amount over $50,000. Early payoff penalty applies if the loan is paid off within the first 24 months. Ask your tax advisor regarding tax deductibility of interest paid on the loan. Property insurance and flood insurance, if applicable, are required

3 Closing costs are waived. This loan will be secured by a mortgage recorded on the property being improved. Early payoff penalty applies if the loan is paid off within the first 24 months. Ask your tax advisor regarding the deductibility of interest paid on the loan. Property insurance and flood insurance, if applicable, are required.