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Consumer Loans
2.00% APR* with terms up to 36 months
3.00% APR* with terms up to 60 months

Home Equity Line of Credit
2.00% APR** until March 31, 2015


First home? Vacation Home? New car or boat beckoning? At Chemung Canal, the possibilities are endless.  We promise to get back to you with an answer quickly, and process your paperwork promptly.


*Annual Percentage Rate (APR) is based on evaluation of applicant’s credit and actual APR may vary. Subject to credit approval. New money of at least $2,500 required for promotional APR. Loans $10,000 and above must be fully secured. Maximum term is 60 months. A $10,000 fully-secured loan with a 4-year term and a 3.00% APR will require 48 monthly payments of $221.34. Interest rates and programs are subject to change without notice. Not valid for single-pay loans, credit-builder loans or trust-secured lines of credit.

**APR = Annual Percentage Rate. The APR will be 2.00% through 3/31/2015. Beginning on 4/1/2015, for the remaining term of the loan, the APR will adjust to the regular stated APR at the time the loan opened. For our Home Equity PrimeLine Line of Credit, the APR will adjust to the highest Prime Rate published in the Wall Street Journal on the last business day of the prior month. Assuming no change in the current Prime Rate, the APR after 3/31/2015 would be 4.00%. For the line of credit, you will be required to reimburse CCTC certain fees paid to third parties if it is terminated within three years after the opening date. These can be as low as $726.77 for a $10,000 credit line and there is no maximum loan amount. The lifetime cap for line of credit is guaranteed not to exceed 16.0% APR, with a floor of 4.00% APR. Collateral mortgage required to be filed. Subject to credit approval. Rates subject to change without notice. Consult your tax advisor for more information regarding the deductibility of interest and fees.

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