Loan Rates

Effective Date 2/8/23

New Cars & Trucks 2021, 2022 & 2023

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 3.75% $43.31
36 3.75% $29.41
48 4.00% $22.58
60 4.25% $18.53
72 4.50% $15.87
84 5.00% $14.13

Used Cars & Trucks 2014-2020

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.00% $43.42
36 4.00% $29.52
48 4.25% $22.69
60 4.50% $18.64

New Motorcycles 2021, 2022 & 2023

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 3.75% $43.31
36 3.75% $29.41
48 4.00% $22.58
60 4.25% $18.53
72 4.50% $15.87
84 5.00% $14.13

Used Motorcycles 2014-2020

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.00% $43.42
36 4.00% $29.52
48 4.25% $22.69
60 4.50% $18.64

New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2021, 2022 & 2023

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.50% $43.65
36 4.50% $29.75
48 4.75% $22.92
60 5.00% $18.87
84 5.25% $14.25
120 5.75% $10.98

Used Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2014-2020

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.75% $43.76
36 4.75% $29.86
48 5.00% $23.03
60 5.25% $18.99
84 5.50% $14.37
120 6.00% $11.10

New Boats 2021, 2022 & 2023

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.50% $43.65
36 4.50% $29.75
48 4.75% $22.92
60 5.00% $18.87
84 5.25% $14.25
120 5.75% $10.98

Used Boats 2014-2020

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.75% $43.76
36 4.75% $29.86
48 5.00% $23.03
60 5.25% $18.99
84 5.50% $14.37
120 6.00% $11.10

New ATV/UTV, Snowmobiles, Personal Watercraft, Dirt Bikes 2021, 2022 & 2023

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.50% $43.65
36 4.50% $29.75
48 4.75% $22.92
60 5.00% $18.87

Used ATV/UTV, Snowmobiles, Personal Watercraft, Dirt Bikes 2014-2020

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.75% $43.76
36 4.75% $29.86
48 5.00% $23.03
60 5.25% $18.99

New Lawn Equipment (Tractors, Mowers) 2021, 2022 & 2023

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.50% $43.65
36 4.50% $29.75
48 4.75% $22.92
60 5.00% $18.87

Used Lawn Equipment 2014-2020

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 4.75% $43.76
36 4.75% $29.86
48 5.00% $23.03
60 5.25% $18.99

Home Improvement

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 6.00% $44.32
36 6.00% $30.42
48 6.50% $23.71
60 6.50% $19.57

ADvantage Line of Credit

APR Maximum Term (Months) Monthly P&I Payment Per $1,000
Personal - Prime + 10.15% N/A N/A
Business - Prime + 10.15% N/A N/A

Personal Loans Secured with:

Account Type APR Maximum Term (Months) Maximum Loan Monthly P&I Payment Per $1,000
Certificate of Deposit 1.50% above CD rate * ** N/A

* ONLY Adirondack Bank CD's are accepted. Term length must match the length of the CD.
** Max. Loan Amount 95% of the pledged principal balance of instrument

Unsecured Personal Installment Loans

Maximum Term (Months) APR Monthly P&I Payment Per $1,000
24 7.00% $44.77
36 7.00% $30.88
48 7.50% $24.18
60 8.00% $20.28
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