Online Banking Login

  • Richmondville: 518-294-6661
  • Cobleskill: 518-234-4397
  • Schoharie: 518-295-8884

Owning your own home delivers many advantages, besides the obvious satisfaction you get from home-ownership. Whether you are a first-time homebuyer, a renter, or purchasing a new or second home, we have great loan choices to meet your financing needs. Use our easy-to-navigate site, or contact us directly by phone.

We can help you make your homeownership dreams come true by offering exceptional advantages:

  • Low rates
  • Variety of mortgage programs (Purchase, Construction, Refinance, etc.)
  • Guidance and advice from experienced loan professionals
  • Local decision-making to get you the money you need faster

Mortgage Choices

We offer fixed rate and adjustable rate mortgage loans with competitive terms and rates to match your lending needs.

Click here for an example of Mortgage closing costs.

GET PRE-QUALIFIED. CLICK This email address is being protected from spambots. You need JavaScript enabled to view it.TO CONTACT LOAN ORIGINATIONS


Home Equity Loans

Use the available equity in your home to make good things happen.

  • Rates can be obtained by contacting your local branch
  • Rates are subject to change
    • Make home improvements
    • Buy a new car, truck or SUV
    • Consolidate higher rate loans to save on monthly payments
    • Help finance a college education…and more
    • Choose from a fixed-rate Home Equity Loan, or an adjustable rate Home Equity Line of Credit — both featuring attractive low interest rates

Credit Reports 

Free access through 2022

Click Here for information



Richmondville Office:

284 Main Street
PO Box 130
Richmondville, NY 12149
(518) 294-6661


Cobleskill Office:

857 East Main Street
PO Box 40
Cobleskill, NY 12043
(518) 234-4397


Schoharie Office:

428 Main Street
PO Box 488
Schoharie, NY 12157
(518) 295-8884