Rates

_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.

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%.

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.