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Economic Impact Payments are arriving beginning January 4, 2021. You could potentially see a pending direct deposit or provisional payment in your account. Please visit Get My Payment for further information.

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

Personal Loans

Choose The Ideal Loan With Our Versatile, Affordable Options

When you’re looking for financing that helps you fulfill a dream, fund college, consolidate debts, buy a different vehicle, or achieve other goals, we’ll review all the affordable choices we offer with you. Loans for –

New and used cars and trucks Vacations
Recreational Vehicles Motorcycles
Boats Debt Consolidation

We're here to help YOU!

Auto/Vehicle Loans

We finance new and used vehicles with attractive terms and competitive interest rates.

  • Get approved in as little as 24 hours!
  • Gain the flexibility to shop for a vehicle that fits your needs perfectly and make your best deal without the hassles of dealer financing

Recreational Vehicles/Motorcycle/Boats/and Camper Loans

We finance new and used recreational vehicles, motorcycles, boats, and campers with attractive terms and competitive interest rates.

  • Get approved in as little as 24 hours!

Secured Personal Loans

  • Secure any loan with your passbook savings account, certificate of deposit, or eligible stock, at low attractive rates.

Cash Reserve Overdraft Checking

A line of credit working in conjunction with your checking account.

  • Offers overdraft protection
  • Provides direct access to your maximum credit line

Credit Reports 

Free access through 2021

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