Don’t use those high interest rate retail credit cards to shop this year.  We have two great products to get your shopping done at a great rate that won’t hurt your holiday budget!

Holiday Loan

  • 5.99% APR
  • Term of 12 months for repayment
  • Finance amounts of $500 to $3,000
  • Convenient repayment options
  • No application fee
  • No transfer fees
  • No prepayment penalty

Apply Now

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.

Holiday VISA Credit Card Special

  • Special rate of 5.99% APR on all retail purchases 10/1/19-12/31/19 (after 9.99% APR)
  • 1% Rebate on retail purchases *
  • Purchases 10/1/19 – 12/31/19 repayment rate of 5.99% APR until 12/31/20.
  • Credit limits up to $15,000
  • No application fee
  • No annual fee
  • 25 day grace period on purchases

Apply Now

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.

* 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.