Adirondack Regional Credit Union
Verified rate book
Current Adirondack Regional Credit Union rates
69 published offers verified as of August 4, 2026.
Mortgage rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Mortgages (1-10 Years)other | 5.990% APR | 5.990% | — | Standard |
| Mortgages (11-20 Years)other | 6.200% APR | 6.200% | — | Standard |
| Mortgages (21-30 Years)other | 6.400% APR | 6.400% | — | Standard |
Auto & vehicle rates
23 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 36-Month New Auto Loanauto_new_36mo | 5.000% APR | 5.000% | 36 mo · new | Standard |
| 48-Month New Auto Loanauto_new_48mo | 5.250% APR | 5.250% | 48 mo · new | Standard |
| 36-Month Used Auto Loanauto_used_36mo | 5.250% APR | 5.250% | 36 mo · used | Standard |
| 48-Month Used Auto Loanauto_used_48mo | 5.500% APR | 5.500% | 48 mo · used | Standard |
| 60-Month New Auto Loanauto_new_60mo | 5.500% APR | 5.500% | 60 mo · new | Standard |
| 72-Month New Auto Loanauto_new_72mo | 5.750% APR | 5.750% | 72 mo · new | Standard |
| 60-Month Used Auto Loanauto_used_60mo | 5.750% APR | 5.750% | 60 mo · used | Standard |
| 84-Month New Auto Loanauto_new_84mo | 5.990% APR | 5.990% | 84 mo · new | Standard |
| 72-Month Used Auto Loanauto_used_72mo | 5.990% APR | 5.990% | 72 mo · used | Standard |
| New Campers & Boats (24-36 Months)rv_new_36mo | 6.000% APR | 6.000% | 36 mo · new | Standard |
| Used Campers & Boats (24-36 Months)rv_used_36mo | 6.250% APR | 6.250% | 36 mo · used | Standard |
| New Campers & Boats (48-60 Months)rv_new_60mo | 6.500% APR | 6.500% | 60 mo · new | Standard |
| New Campers & Boats (72-84 Months)rv_new_84mo | 6.750% APR | 6.750% | 84 mo · new | Standard |
| Used Campers & Boats (48-60 Months)rv_used_60mo | 6.750% APR | 6.750% | 60 mo · used | Standard |
| Recreation Vehicles (2023/Newer) (36 Months)auto_any_36mo | 6.990% APR | 6.990% | 36 mo | Standard |
| Recreation Vehicles (2023/Newer) (48 Months)auto_any_48mo | 7.250% APR | 7.250% | 48 mo | Standard |
| Used Campers & Boats (72-84 Months)rv_used_84mo | 7.500% APR | 7.500% | 84 mo · used | Standard |
| Recreation Vehicles (2023/Newer) (60 Months)auto_any_60mo | 7.500% APR | 7.500% | 60 mo | Standard |
| Recreation Vehicles (2022/Older)auto_used_48mo | 7.500% APR | 7.500% | 48 mo · used | Standard |
| New Campers & Boats (120 Months)rv_new_120mo | 8.250% APR | 8.250% | 120 mo · new | Standard |
| Used Campers & Boats (120 Months)rv_used_120mo | 8.500% APR | 8.500% | 120 mo · used | Standard |
| New Campers & Boats (up to 180 Months)rv_new_180mo | 8.500% APR | 8.500% | 180 mo · new | Standard |
| Used Campers & Boats (up to 144 Months)rv_used_144mo | 9.000% APR | 9.000% | 144 mo · used | Standard |
HELOC rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loans (1-15 Years)heloc_fixed | 6.490% APR | 6.490% | — | Standard |
| Home Equity Loans & Lines of Credit Rates (1-15 Years)heloc | 6.490% APR | 6.490% | — | Standard |
| Home Equity Loan (Fixed)heloc_fixed | 6.490% APR | 6.490% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 36-Month Unsecured Personal Loanpersonal_unsecured_36mo | 10.750% APR | 10.750% | 36 mo | Standard |
| Personal Loan Rates (Consolidation - 60 Months)personal_unsecured_60mo | 10.750% APR | 10.750% | 60 mo | Standard |
| 12-Month Overdraft Line of Creditpersonal_unsecured_12mo | 12.750% APR | 12.750% | 12 mo | Standard |
Savings & CD rates
18 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| IRA rates are accurate as of 11/01/2025 (Regular Shares)ira | 0.10% APY | 0.10% | — | Standard |
| Less Than $2,500savings | 0.10% APY | 0.10% | — | Standard |
| Rates are accurate as of 03/01/2026 (All Club Accounts)savings | 0.10% APY | 0.10% | — | Specialty offer |
| Greater Than $150,000savings | 0.25% APY | 0.25% | — | Standard |
| $75,000> And <$150,000savings | 0.40% APY | 0.40% | — | Standard |
| Rates are accurate as of 03/01/2026 (Regular Shares > $15,000)savings | 0.55% APY | 0.55% | — | Standard |
| IRA rates are accurate as of 11/01/2025 (Regular Shares > $15,000)ira | 0.55% APY | 0.55% | — | Standard |
| Certificate rates are accurate as of 08/01/2026 (5 Years)share_certificate_60mo | 1.25% APY | 1.25% | 60 mo | Standard |
| 60-Month Certificatecd_60mo | 1.25% APY | 1.25% | 60 mo | Standard |
| $2,500> And <$75,000savings | 1.25% APY | 1.25% | — | Standard |
| Certificate rates are accurate as of 08/01/2026 (3 Years)share_certificate_36mo | 1.65% APY | 1.65% | 36 mo | Standard |
| 36-Month Certificatecd_36mo | 1.65% APY | 1.65% | 36 mo | Standard |
| Certificate rates are accurate as of 08/01/2026 (4 Years)share_certificate_48mo | 1.80% APY | 1.80% | 48 mo | Standard |
| 48-Month Certificatecd_48mo | 1.80% APY | 1.80% | 48 mo | Standard |
| 24-Month Certificatecd_24mo | 2.05% APY | 2.05% | 24 mo | Standard |
| Certificate rates are accurate as of 08/01/2026 (2 Years)share_certificate_24mo | 2.05% APY | 2.05% | 24 mo | Standard |
| 12-Month Certificatecd_12mo | 2.50% APY | 2.50% | 12 mo | Standard |
| Certificate rates are accurate as of 08/01/2026 (1 Year)share_certificate_12mo | 2.50% APY | 2.50% | 12 mo | Standard |
Equipment loan rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Automobiles & Tractors (36 Months)equipment_new_36mo | 5.000% APR | 5.000% | — | Standard |
| New Automobiles & Tractors (48 Months)equipment_new_48mo | 5.250% APR | 5.250% | — | Standard |
| Used Automobiles & Tractors (36 Months)equipment_used_36mo | 5.250% APR | 5.250% | — | Standard |
| Used Automobiles & Tractors (48 Months)equipment_used_48mo | 5.500% APR | 5.500% | — | Standard |
| New Automobiles & Tractors (60 Months)equipment_new_60mo | 5.500% APR | 5.500% | — | Standard |
| New Automobiles & Tractors (72 Months)equipment_new_72mo | 5.750% APR | 5.750% | — | Standard |
| Used Automobiles & Tractors (60 Months)equipment_used_60mo | 5.750% APR | 5.750% | — | Standard |
| Used Automobiles & Tractors (72 Months)equipment_used_72mo | 5.990% APR | 5.990% | — | Standard |
| New Automobiles & Tractors (84 Months)equipment_new_84mo | 5.990% APR | 5.990% | — | Standard |
Other rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Rates are accurate as of 03/01/2026 (Less Than $2,500)other | 0.100% % | 0.100% | — | Standard |
| Rates are accurate as of 03/01/2026 (Greater Than $150,000)other | 0.250% % | 0.250% | — | Standard |
| Rates are accurate as of 03/01/2026 ($75,000> and <$150,000)other | 0.400% % | 0.400% | — | Standard |
| Rates are accurate as of 03/01/2026 ($2,500> and <$75,000)other | 1.250% % | 1.250% | — | Standard |
| Rates are accurate as of 03/01/2026 (5 Years)other | 1.250% % | 1.250% | — | Standard |
| Rates are accurate as of 03/01/2026 (3 Years)other | 1.650% % | 1.650% | — | Standard |
| Rates are accurate as of 03/01/2026 (4 Years)other | 1.800% % | 1.800% | — | Standard |
| Rates are accurate as of 03/01/2026 (2 Years)other | 2.050% % | 2.050% | — | Standard |
| Rates are accurate as of 03/01/2026 (1 Year)other | 2.500% % | 2.500% | — | Standard |
| Loan rates are accurate as of 01/01/2024 (680 - 699)other | 3.990% % | 3.990% | — | Standard |
As of August 4, 2026, Adirondack Regional Credit Union offers mortgage rates from 5.99% APR. Vehicle loans available from 5% APR for 36 months. HELOC rates from 6.49% APR. Personal loan rates from 10.75% APR. Savings and certificate yields up to 2.50% APY. Equipment loans from 5% APR.
Source: RateAPI.dev, verified from Adirondack Regional Credit Union's official website
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About Adirondack Regional Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 7K
- Assets
- $86.9M
- Founded
- 1947
- Locations reported
- 4
- NCUA charter
- 5546
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Adirondack Regional Credit Union
Membership eligibility from Adirondack Regional Credit Union's own published criteria. How we verify this.
Community charter: live/work in Clinton, Essex, Franklin +1 more
- LocationClinton, Essex, Franklin, St. Lawrence
Verified from Adirondack Regional Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Adirondack Regional Credit Union?
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Frequently Asked Questions
What rates does Adirondack Regional Credit Union offer?
Adirondack Regional Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Adirondack Regional Credit Union rates updated?
RateAPI verifies Adirondack Regional Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Adirondack Regional Credit Union's rate data?
Rate data is collected directly from Adirondack Regional Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Adirondack Regional Credit Union's mortgage rate?
As of August 4, 2026, Adirondack Regional Credit Union offers mortgage rates from 5.99% APR.
What are Adirondack Regional Credit Union's auto & rv loan rates?
As of August 4, 2026, Adirondack Regional Credit Union offers vehicle loans from 5% APR.
What is Adirondack Regional Credit Union's HELOC rate?
As of August 4, 2026, Adirondack Regional Credit Union offers home equity lines of credit from 6.49% APR.
What is Adirondack Regional Credit Union's personal loan rate?
As of August 4, 2026, Adirondack Regional Credit Union offers personal loans from 10.75% APR.
What is Adirondack Regional Credit Union's best CD rate?
As of August 4, 2026, Adirondack Regional Credit Union offers savings and certificate (CD) yields up to 2.50% APY.
Related Rate Data
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Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Adirondack Regional Credit Union
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-H "Authorization: Bearer YOUR_API_KEY"