We'll be closing early on Dec. 24th at 3:00 pm and will be closed on Dec. 25th. Normal business hours will resume on Dec. 26th.

Business Loan Rates

Effective as of March 1, 2025

BUSINESS LOAN

Loan TypeTermAnnual
Percentage
Rates
Monthly Payment Per $1,000 Borrowed for the first term payments based on Initial RateMonthly Payment Per $1,000 Borrowed for the remaining payments based on 30 year Amortization and Current Rate
Mortgage Adjustable2 Year7.25%1, 2, 6$6.83$6.83
Mortgage Adjustable5 Year7.35%1, 2, 6$6.90$6.90
Mortgage Adjustable8 Year8.25%1, 2, 6$7.52$7.52
Mortgage Fixed5 Year7.05%2$19.83$6.69
Mortgage Fixed10 Year7.75%2$12.01$7.17
Mortgage Fixed15 Year8.35%4$9.77$7.59
Auto, Machinery and EquipmentUp to 15 Years7.95% to 13.95%4$9.53$7.31
  1. Notes can be refinanced/modified not to exceed 15 year term and amortized up to 30 years
  2. Mortgages available for:
    1. Refinance or purchase
    2. New York and New Jersey
    3. 1-4 family non-owner occupied
    4. Commercial
    5. Investment
    6. Vacant land, and
    7. Up to 80% of value
  3. Loans available for:
    1. Refinance, purchase, or cash out,
    2. New York,
    3. Fleet and
    4. Individual, and
    5. Up to 80% of value
  4. Up to 70%-90% of Value
  5. Based on credit, business, and cash flow
  6. Rates and terms are based on Consumers FCU posted rates Notes can be refinanced/modified not to exceed 15 year term and amortized up to 30 years

*Borrowers with negative credit, including but not limited to, late payments, collection accounts, judgments, charge-offs and bankruptcies (within 2 years) are subject to a 4.00% increase on the current interest rate listed.

Would you like to estimate the payments on any of these loans? Our loan calculator can help you with the numbers.