VISA Credit Card - 11.25% APR* and 1% Cash Back on Purchases

Whether you are looking to consolidate high interest credit cards, looking to build credit, or just trying to find a credit card that suits your financial needs, our card is for you!

• 11.25% APR* Variable Rate
• 1% Cash Back on ALL Retail Purchases**
• No Annual Fee
• No Balance Transfer Fees
• No Cash Advance Fees
• Apply now or get pre-approved

*Western Division rates reflect the best rate determined by the credit-worthiness of each applicant and are subject to change without notice. Other terms, rates and restrictions may apply. **A 1% Rebate will be credited at each statement cycle to the cardholders account for all net retail purchases. Balance transfers and cash advances are not eligible. Other restrictions may apply.

Vehicle & Motorcycle Loans - 4.49% APR*

We offer the same great rates and terms for your new, used or refinanced car, truck or motorcycle.

• 4.49% APR*
• Great rates with flexible terms
• 100% financing available
• Apply now or get pre-approved

*Western Division rates reflect the best rate determined by the credit-worthiness of each applicant and are subject to change without notice. Other terms, rates and restrictions may apply. No internal refinances.

Enterprise Car Sales Event - 3.49% APR*

During the month of July, purchase a vehicle from Enterprise and finance with us to get a great rate and more...

• 3.49% APR* AND an additional $500 on your trade-in value
• Search for a vehicle by make, model or year 
• Apply now or get preapproved

*Rates as low as 3.49% APR up to 60 months and 3.99% APR for 72 months for Platinum and 'A' credit scores. All other credit scores receive a 0.50% reduction in qualifying rate regardless of term. Offer valid on Upstate NY inventory only. Western Division rates reflect the best rate determined by the credit-worthiness of each applicant and are subject to change without notice. Other terms, rates and restrictions may apply.

Home Equity Lines - 4.00% APR*

Turn your existing home’s equity into a ready source of cash for almost anything you need.

• 4.00% APR* Variable
• No closing cost options
• Interest may be tax deductible
• Apply now or get preapproved

*Western Division rates reflect the best rate determined by the credit-worthiness of each applicant and are subject to change without notice. Other terms, rates and restrictions may apply. No internal refinances.

Recreational Loans - 7.25% APR*

We offer the same great rates and terms for your new, used or refinanced ATV, Wintercraft, Watercraft, RV or Trailer.

• 7.25% APR*
• Great rates with flexible terms
• 100% financing available
• Apply now or get preapproved

*Western Division rates reflect the best rate determined by the credit-worthiness of each applicant and are subject to change without notice. Other terms, rates and restrictions may apply. No internal refinances.

EMail Address Contest - Win a GPS Navigation System

Win a Garmin-3790t GPS Navigation System simply be providing us with your email address. Your email address will not be shared with any outside vendors. We will use it to simply provide you with our newsletter and information once a month.

It's easy to enter...

• Enter your email address through Internet Banking using the 'Preferences Tab' and then 'My Personal Information'
-or-
• Contact Us and enter 'Email Address Contest' in the 'Question/Comment Box'

*One winner will be selected on 8/01/2010 by a random drawing from qualified entries submitted between 6/01/2010 - 7/31/2010.