Ultra Flex Home Equity Lines of Credit

The smart and flexible lending option with an initial approval in as little as 24 hours.

Home Equity Loans

Want to write yourself a one-time loan to meet your personal borrowing needs? Or is your priority to pay off loans sooner? We have the options to meet your needs.

Custom Loans

Need to make a major purchase or consolidate debts but have limited equity in your home? The Custom Loan may be the option you need.

Vacant Land Loans

We know that some customers' priority is to build their dream home at the property location of their choice.

Student Loans

College is expensive and the loan process can be confusing. We'll help you take the right course.

VISA Card

In partnership with First USA, the nation's leading issuer of VISA® or Master Card® credit cards, offers one of the most competitive credit card options available in the market.

Please Note:
The Bank will consider consumer loan requests from all applicants with a United States citizenship who either reside or work in the Bank's designated lending area. This area consists of Albany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Columbia, Cortland, Delaware, Dutchess, Erie, Essex, Fulton, Genesee, Greene, Hamilton, Herkimer, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Ostego, Oswego, Putnam, Rensselaer, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming and Yates counties in New York State.