Loans & Lending Services

Loan products and lending services designed for the people who live and work in the Tri-Lakes and Adirondack regions.

Loan Specials & Information

Check out our special rates & information for loan products

Extended Terms for Auto Loans
We understand the world is simply more expensive today and sometimes we can all use a little help to make things more affordable. That's why we've extended the terms for auto loans to 72 for used cars and 84 months for new.

Loan Products & Lending Services

Learn about the loan products and lending services available for members

View Our Loan Products & Lending Options

Auto Loans

Find great rates and friendly terms for cars, trucks, and motorcycles…

There’s no reason to pay more for your car loan with another financial institution. If you are thinking about a new car or a used truck check out our current rates. We have competitive rates and terms to fit all your needs and budget. If you are looking to lower your payment on your current loan, check with us, we may be able to help!

  • New and Used Auto Loans
  • Auto Refinancing
  • Low Rates & Flexible Terms
  • 100% Financing Available
  • Guaranteed Asset Protection (GAP)

*New and Used Harley Davidsons qualify for New & Used Auto rate and term

Term*APR as low as
84 months7.50%
72 months6.75%
66 months6.25%
60 months6.00%
48 months5.75%
36 months5.75%
24 months5.75%


* Current Year with less than 5000 miles

* Next Model Year with the less than 100 miles

* 72 months financing on vehicles valued over $25,000

* 84 months financing on vehicles valued over $35,000


Term*APR as low as
72 months7.00%
60 months6.25%
48 months6.00%
36 months5.75%


*48 months (9 years old and older) 8.00%

*Motorcycle loans are 1% above car rates

*New & Used Harley Davidson’s qualify for New & Used Auto Rates & Terms

Credit Cards

What appeals to you about having a credit card in today’s economy…

Looking for competitive APR’s, we have that:

APR’s AS LOW AS 12.9%APR* to 18% APR*! 

Other major Credit Card Companies charge as high as 29.9% APR*. 

With rates this low, why pay more?  Even consider a balance transfer to get away from those high interest rate Credit Card companies.  The savings may surprise you!

Other major Credit Card companies often impose a much-higher APR on Cash Advances.  With your TRI-LAKES FEDERAL CREDIT UNION VISA Credit Card, your rate stays the same on your Cash Advance.

How about the convenience of in-house payment options? We have that too!

That’s right, who wants to mail-out those monthly bills?  Forget about the postage and wondering if you’re mailing your payment out in time to catch your due date to avoid those costly ‘Late-Fee’ charges.  With your TRI-LAKES FEDERAL CREDIT UNION VISA Credit Card, you can:

  • Make your monthly payment In-Person at any branch.
  • Call any branch to make your monthly payment.
  • Set up an EZ-Card account to pay your bill on-line, or
  • Have your payment set up as an Automatic Payment each month from your Draft or Share account.

Home Equity LOC

Home equity loans can be a great lending options for homeowners…

If you want to borrow only what you need, when you need it, then contact us about a Home Equity Line of Credit.

A Home Equity Line of Credit, commonly referred to as a HELOC, uses the value in your home to finance an education, purchase a new car or make improvements around the house.

Whatever the reason, your community credit union wants to assist you. Contact the Lending Department today for more information at (518)891-1666.


Experience great rates and friendly local service with your next home mortgage..

Schools. Neighborhoods. Backyards. As a homebuyer, you’ve got enough on your mind without thinking about a mortgage. Let us handle it for you…with a loan process that’s fast, and hassle-free.

No matter what kind of home you’re buying, we’ll walk you through the process without leaving you in the dark…or pushing you too fast. It’s the kind of “people are worth more than money” treatment you’d expect from your credit union.

Tri-Lakes FCU has built a partnership with leading mortgage professionals who know the business and care about our members and the importance of good honest, friendly service.


Our mortgages are designed specifically to save you money:

  • Fixed- and adjustable-rate mortgages
  • The competitive interest rates we offer our members every single day
  • Low down payments, so you keep more of your hard-earned savings
  • Flexible terms, including lock-in and float options for the best possible rate
  • Affordable closing cost programs to save you money

Overdraft Line-of-Credit

A layer of protection when funds in your checking or savings accounts are low…

Tri-Lakes Federal Credit Union also offers an overdraft line of credit to add yet another layer of protection should you not have funds available in either your checking or savings account. Have peace-of-mind and know that your checks, VISA Debit Card transactions and automatic transactions, (ACH) are protected from being overdrawn with an Overdraft Line of Credit Loan. As long as you don’t go beyond your credit limit and your monthly payment is current, you’ll save yourself the costly fees. This is an unsecured Line-of-Credit Loan (maximum limit is $1,000).

Overdraft Line of Credit Loan Details:

  • Maximum overdraft plan amount is $1000;
  • No fees;
  • Activates in increments of $50;
  • Finance charges accrue daily on outstanding balance;
  • Monthly payment of $30 due on the 28th of every month. The monthly payment is automatically withdrawn from your share draft (checking) account;
  • Over draft will not activate if account is delinquent or if available credit is exceeded and;
  • Annual Percentage Rate or APR ranges from 12.0% – 18.0% depending on creditworthiness.

Personal Loans

For times we need a little extra cash to help with the various expenses of life…

From time to time situations come up, sometimes unexpected, from a car repair, broken appliance, medical bill or maybe you just want to take a nice vacation.  Whatever the need our personal loan may fit the bill.  You can borrow without collateral.  Borrow up to $10,000 depending on your credit score, current income and current unsecured debt.

  • Term up to 48 months
  • Rates currently as low as 9.50%

Shared Secure Loans

A great option when you need money, but don’t want to deplete your savings…

We offer a share secured loan that is secured by using funds in your Regular Share Account or a Share Certificate Account as collateral. A Share Secured Loan is a great choice for someone who may need cash but does not wish to deplete their savings accounts as you are essentially borrowing the money from yourself at a low interest rate.

Share Secured Loans are also a good option for people looking to establish credit or repair existing credit history.

Recreational Vehicles

Loans for various recreational vehicles including RV’s, boats, & more…

Are you ready to have some fun?  We offer recreational loans for all purposes.  Get cruising out on the open water. Or you can hit the trails or the open road.  Boats, Jet-Skis, 4-Wheelers, Campers or Snowmobiles, we have all four seasons covered.

Financing for different types of recreational vehicles including:

  • RV’s & Camper Home, Boat, Motorcycle, ATV, Snowmobile and More
  • Competitive Interest Rates
  • Flexible Terms
New*APR as low as
60 Months8.00%
48 months7.75%
Used*APR as low as
48 Months8.00%
36 Months7.75%  
Term*APR as low as
New-120 months8.00%
New-96 months7.50%
New-60 months6.75%
Used-84 months7.75%
Used-60 months7.50%
Used-48 months7.00%

Term to 120 months on new boat, camper, tractor, or utility trailer.

Term to 84 months on used boat, camper, tractor, or utility trailer.

Why Credit matters

Learn why credit matters and how a good score can help grow your wealth…

You want a high credit score because it can save you thousands of dollars on interest and allow you to have lower monthly payments.  When you apply for a credit card or loan, your financial institution looks at your credit score to determine your interest rate.  The lower your score, the higher your interest rate.  Your score tells lenders if you are a risk to make payments on the money you borrow.

Your credit score is broken down by the following:

  • 35% – Payment history
  • 30% – Amounts owed
  • 15% – Length of credit history
  • 10% – New credit
  • 10% – Types of credit

Develop a plan and stick to it.  One of the simplest ways of raising or maintaining your credit score is by making your payments on time.  Keeping your balances on credit cards below 25% of your available limits can also boost your score.  Keep inquires and new accounts to a minimum also.  It can raise a red flag to the credit bureau if you open several new accounts within a short period of time.  Conventional  wisdom is that you are going to use those new accounts to borrow  a lot of money which makes you a statistically higher risk.

Not everyone has poor credit because of missed payments.  You might just be starting out and new to credit.  College students, recent grads and young professionals for example.  Tri-Lakes Federal Credit Union has options for you.  Secured credit cards or secured loans are a good option for someone looking to rebuild or establish credit.

*APR – Annual Percentage Rate

All loans are subject to credit approval. Your rate and term may differ from the rates shown.
Loan rates are based on credit worthiness. Loan rates and terms are subject to change without notice.