Our Port Henry and Elizabethtown branches will close early at 3:00 pm on Wednesday, December 6th, for Staff Training.  Our Ticonderoga branch will close at our regular time of 4:00 pm. 

Rates

Consumer Loan Rates

Auto Loan Rates

NEW & LATE MODEL USED 6 YEARS OR NEWER
TermAPR* as low as
Up to 24 months 4.99%
Up to 36 months 5.24%
Up to 48 months 5.49%
Up to 60 months 5.74%
Up to 72 months 5.99%
Up to 84 months** 6.24%

**4+ Model Years - Max Mileage 40,000 
Max Term for automobiles 5 to 6 years is 72 months
Max Mileage for Auto Loans is 150,000

USED AUTO - 7 TO 8 YEARS OLD
TermAPR* as low as
Up to 24 months 5.99%
Up to 36 months 6.24%
Up to 48 months 6.49%
Up to 60 months 6.99%

Max Mileage for Auto Loans is 150,000

USED AUTO - 9 TO 12 YEARS OLD
TermAPR* as low as
Up to 24 months 7.99%
Up to 36 months 8.24%
Up to 48 months 8.49%
Up to 60 months 8.74%

Max Mileage for Auto Loans is 150,000

Home Equity Loan
NameTermLTV^APR* as low as
Home Equity 5 Year  up to 80% 4.49%
Home Equity 5 - 10 Year  up to 80% 4.75%
Home Equity 10 - 15 Year  up to 80% 5.75%

Home Equity Line of Credit (HELOC)
NameTermAPR* as low asFee
HELOC SPECIAL 1-Year Introductory Rate

4.99%

NO CLOSING COSTS1

Consumer Loans
ProductTermAPR* as low as
Secured Loans Approximate terms of up to 84 months Contact us for current rates
Personal Loans Approximate terms of up to 60 months 8.99% to 17.99% based on Personalized Loan Rates

Recreational Vehicle Loans

Motorcycle Loans
TermAPR* as low as
Up to 24 months 5.99%
Up to 36 months 6.24%
Up to 48 months 6.49%
Up to 60 months 6.99%
Up to 72 months $20,000+ 7.49%

RV/Camper/Boat/Personal Watercraft Loans
TermAPR* as low as
Up to 24 months 5.49%
Up to 36 months 5.74%
Up to 48 months 5.99%
Up to 60 months 6.49%
Up to 72 months 7.24%
Up to 120 months $15,000+ 7.49%
Up to 180 months $25,000+ 7.74%

ATV and UTV Loans
TermAPR as low as*
Up to 24 months 5.99%
Up to 36 months 6.24%
Up to 48 months 6.49%
Up to 60 months 6.99%
Up to 72 months $20,000+ 7.49%

Tractor and Trailer Loans
TermAPR*
Up to 24 months 5.99%
Up to 36 months 6.24%
Up to 48 months 6.49%
Up to 60 months 6.99%
Up to 72 months $20,000+ 7.49%

Snowmobile Loans
TermAPR* as low as
Up to 24 months 5.99%
Up to 36 months 6.24%
Up to 48 months 6.49%
Up to 60 months 6.99%
Up to 72 months $20,000+ 7.49%

Christmas Loans
NameAPR*
Platinum 6.99%
Gold 7.49%
Silver 8.49%
Bronze Plus 9.99%
Bronze 12.49%
Re-Builder 14.49%

*APR equals Annual Percentage Rate. The Christmas loan product is a twelve-month installment loan.  Subject to credit qualification. Rates may vary based on individual creditworthiness. All loans are subject to approval.  The Christmas loan product is a twelve-month installment loan.  Christmas loans are available from 10/1/2023 - 12/24/2023.

 

 

Home Equity Line of Credit (HELOC) BOOST

Loan Calculators

Deposit Rates

Checking Accounts
Account Minimum BalanceDividend RateAPY

Freedom & Freedom Student Checking(74)

No Minimum Balance

N/A N/A
Advantage (75) $100 to open, $400 ADB to earn dividends .07% .07%
Prestige 50 (76) $100 to open, $400 ADB to earn dividends .07% .07%

Savings Accounts
Account Minimum BalanceDividend RateAPY
Regular Savings (01) $5.00 to open account, $100 ADB to earn dividends .10% .10%
Holiday Club (11) $0.00 to open account, $100 ADB to earn dividends .10% .10%
Savings Safari Club (03) $5.00 to open account, $5.00 average daily balance to earn dividends .10% .10%
Special Savings (05) $0.00 to open account, $100 ADB to earn dividends .10% .10%
Escrow Savings (06,07) $0.00 to open account, $100 ADB to earn dividends .10% .10%
Take Advantage (77) $2,500.00 .10% .10%
IRA Savings (81, 41, 91) $5.00 to open, $100.00 for dividends .10% .10%

Business Accounts
Account Minimum BalanceDividend RateAPY
Business Savings (02) $5.00 to open, $750.00 ADB to earn dividends .10% .10%
Basic Business (70) $100 Minimum to open N/A N/A
Regular Business (71) $100 to open, $750 ADB to earn dividends .07% .07%

Share Certificates
Account Minimum BalanceDividend RateAPY
60-89 Days $500.00 .50% .50%
90-179 Days $500.00 1.50% 1.50%
180-364 Days $500.00 2.50% 2.53%
1 yr to less than 2 yrs $500.00 5.00% 5.13%
2 yrs to less than 3 yrs $500.00 4.75% 4.86%
3 yrs to less than 4 yrs $500.00 4.25% 4.34%
4 yrs to less than 5 yrs $500.00 3.75% 3.82%
5 yrs to less than 10 yrs $500.00 3.25% 3.30%
270 Days Special $500.00 3.00% 3.05%

IRAs
Account Minimum BalanceDividend RateAPY
1 yr to less than 2 yrs $200.00 5.00% 5.13%
2 yrs to less than 3 yrs $200.00 4.75% 4.86%
3 yrs to less than 4 yrs $200.00 4.25% 4.34%
4 yrs to less than 5yrs $200.00 3.75% 3.82%
5 yrs to less than 10 yrs $200.00 3.25% 3.30%

Mortgage Loan Rates

 

Mortgage Rates are available through Owner’s Choice Mortgage     

Rates vary based on individual credit history and the term of the loan.

Woman standing in a river

Mobile
Banking

Easy, secure account access is right at your fingertips.

Learn More

Online
Bill Pay

Pay anyone online, from the phone company to your paperboy.

Sign Up

Join
TrailNorth

Enjoy the benefits of becoming a member.

Get Started

Vehicle
Loans

Get pre-approved before you start looking!

Apply Now

Home
Loans

Flexible financing options that work for you. We're here to help!  

Learn More

Financial
Checkup

Let our financial experts help get you into the best shape ever.

Get Started