Soon we will be offering markets updates in this space Home Branches Services Savings Checking Loans Internet Banking Log In Contact Us FDIC LOANS Payment Calculator, Results only reflect Principal and Interest based on US currency and Banking System Loan Amount: Down Payment % (if any): Interest rate: Length of Loan (in years): Monthly Payment (+/- 0.5%) FOR AMORTIZATION SCHEDULE click here Residential Mortgage Loans: - A wide variety of variable and fixed rate programs, including FHA and VA. Home Equity Credit Lines: - Use the equity in your home for purchases, debt consolidation, home restoration projects. - Setting up your line of credit is fast and easy.s - No closing costs (for owner occupied) - Low interest rates. - From $15 000.00 to $100 000.00 no closing costs for Single Family dwelling . - During the first year interest rate equals New York prime for Single Family dwelling (with a minimum APY of 6.00%). Commercial Real Estate Loans Construction Loans Auto loans (Cars, Trucks and Commercial Vehicles): - Up to 90% financing on new cars and up to 80% on used cars. - Rate and payment fixed for the entire term. - No loan origination fees. Unsecured Credit Lines: - Overdraft protection. - Maximum loan amount $2000.00. Share Loans: - Use your deposit account as collateral for a loan. - Borrow up to 90% of your deposit balance at a low interest rates CRA The Community Reinvestment Act of 1997 (CRA) and the Federal Banking Regulators' CRA regulations were enacted to help ensure that banks meet the credit needs of their communities. CRA encourages lenders to establish dialogues with local community members regarding their credit needs and to make efforts, within sound credit practices, to help meet those needs. APY/APR-Click for details Privacy & Security