Saint Lawrence Credit Union
Verified rate book
Current Saint Lawrence Credit Union rates
74 published offers verified as of August 4, 2026.
Mortgage rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| FIXED-RATE MORTGAGE: * ** (21 – 30 years)30 year fixed | 7.000% APR | 7.000% | — | Standard |
| FIXED-RATE MORTGAGE: * ** (11 – 15 years)15 year fixed | 6.000% APR | 6.000% | — | Standard |
| 1/1 Year ARMarm | 4.750% APR | 4.750% | — | Standard |
| 3/1 ARM3 1 arm | 5.000% APR | 5.000% | — | Standard |
| 5/1 ARM5 1 arm | 5.250% APR | 5.250% | — | Standard |
| 7/1 ARM7 1 arm | 5.500% APR | 5.500% | — | Standard |
| 10-Year Fixed10 year fixed | 5.750% APR | 5.750% | — | Standard |
| 10/1 ARM10 1 arm | 5.750% APR | 5.750% | — | Standard |
| FIXED-RATE MORTGAGE: * ** (16 – 20 years)20 year fixed | 6.750% APR | 6.750% | — | Standard |
Auto & vehicle rates
46 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| NEW AUTO 2026/2025 (A+ (750 & Higher))auto_new_48mo | 4.750% APR | 4.750% | 48 mo · new | Standard |
| NEW AUTO 2026/2025 (A+ (750 & Higher))auto_new_48mo | 4.750% APR | 4.750% | 48 mo · new | Standard |
| NEW AUTO 2026/2025 (A+ (750 & Higher))auto_new_60mo | 5.000% APR | 5.000% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (B (640 - 689))auto_new_48mo | 5.000% APR | 5.000% | 48 mo · new | Standard |
| NEW AUTO 2026/2025 (A (690 - 749))auto_new_60mo | 5.000% APR | 5.000% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (A+ (750 & Higher))auto_new_60mo | 5.000% APR | 5.000% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (A+ (750 & Higher))auto_new_72mo | 5.250% APR | 5.250% | 72 mo · new | Standard |
| NEW AUTO 2026/2025 (B (640 - 689))auto_new_60mo | 5.250% APR | 5.250% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (A+ (750 & Higher))auto_new_72mo | 5.250% APR | 5.250% | 72 mo · new | Standard |
| NEW AUTO 2026/2025 (A (690 - 749))auto_new_72mo | 5.250% APR | 5.250% | 72 mo · new | Standard |
| NEW AUTO 2026/2025 (A+ (750 & Higher))auto_new_84mo | 5.500% APR | 5.500% | 84 mo · new | Standard |
| NEW AUTO 2026/2025 (B (640 - 689))auto_new_72mo | 5.500% APR | 5.500% | 72 mo · new | Standard |
| NEW AUTO 2026/2025 (A (690 - 749))auto_new_84mo | 5.500% APR | 5.500% | 84 mo · new | Standard |
| NEW AUTO 2026/2025 (A+ (750 & Higher))auto_new_84mo | 5.500% APR | 5.500% | 84 mo · new | Standard |
| NEW AUTO 2026/2025 (B (640 - 689))auto_new_84mo | 5.750% APR | 5.750% | 84 mo · new | Standard |
| NEW RECREATIONAL (A+ (750 & Higher))powersports_new_60mo | 5.750% APR | 5.750% | 60 mo · new | Standard |
| Used Auto Loanauto_used | 5.750% APR | 5.750% | used | Standard |
| NEW RECREATIONAL (A (690 – 749))powersports_new_60mo | 6.000% APR | 6.000% | 60 mo · new | Standard |
| NEW RECREATIONAL (A+ (750 & Higher))powersports_new_180mo | 6.000% APR | 6.000% | 180 mo · new | Standard |
| NEW RECREATIONAL (A (690 – 749))powersports_new_180mo | 6.250% APR | 6.250% | 180 mo · new | Standard |
| USED RECREATIONAL (A+ (750 & Higher))powersports_used | 6.250% APR | 6.250% | used | Standard |
| NEW RECREATIONAL (B (640 – 689))powersports_new_60mo | 6.250% APR | 6.250% | 60 mo · new | Standard |
| USED RECREATIONAL (A (690 – 749))powersports_used | 6.500% APR | 6.500% | used | Standard |
| NEW RECREATIONAL (B (640 – 689))powersports_new_180mo | 6.500% APR | 6.500% | 180 mo · new | Standard |
| NEW AUTO 2026/2025 (C (600 - 639))auto_new_48mo | 6.500% APR | 6.500% | 48 mo · new | Standard |
| NEW AUTO 2026/2025 (C (600 - 639))auto_new_60mo | 6.750% APR | 6.750% | 60 mo · new | Standard |
| USED RECREATIONAL (B (640 – 689))powersports_used | 6.750% APR | 6.750% | used | Standard |
| NEW AUTO 2026/2025 (C (600 - 639))auto_new_72mo | 7.000% APR | 7.000% | 72 mo · new | Standard |
| NEW RECREATIONAL (C (600 – 639))powersports_new_60mo | 7.250% APR | 7.250% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (C (600 - 639))auto_new_84mo | 7.250% APR | 7.250% | 84 mo · new | Standard |
| NEW RECREATIONAL (C (600 – 639))powersports_new_180mo | 7.750% APR | 7.750% | 180 mo · new | Standard |
| NEW AUTO 2026/2025 (D (550 - 599))auto_new_48mo | 9.000% APR | 9.000% | 48 mo · new | Standard |
| NEW AUTO 2026/2025 (D (550 - 599))auto_new_60mo | 9.250% APR | 9.250% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (E (549 & Lower))auto_new_48mo | 9.250% APR | 9.250% | 48 mo · new | Standard |
| NEW AUTO 2026/2025 (D (550 - 599))auto_new_72mo | 9.500% APR | 9.500% | 72 mo · new | Standard |
| USED RECREATIONAL (C (600 – 639))powersports_used | 9.500% APR | 9.500% | used | Standard |
| NEW RECREATIONAL (D (550 – 599))powersports_new_60mo | 9.500% APR | 9.500% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (E (549 & Lower))auto_new_60mo | 9.500% APR | 9.500% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (E (549 & Lower))auto_new_72mo | 9.750% APR | 9.750% | 72 mo · new | Standard |
| NEW AUTO 2026/2025 (D (550 - 599))auto_new_84mo | 9.750% APR | 9.750% | 84 mo · new | Standard |
| NEW RECREATIONAL (E (549 & Lower))powersports_new_60mo | 10.000% APR | 10.000% | 60 mo · new | Standard |
| NEW AUTO 2026/2025 (E (549 & Lower))auto_new_84mo | 10.000% APR | 10.000% | 84 mo · new | Standard |
| NEW RECREATIONAL (D (550 – 599))powersports_new_180mo | 10.000% APR | 10.000% | 180 mo · new | Standard |
| NEW RECREATIONAL (E (549 & Lower))powersports_new_180mo | 10.500% APR | 10.500% | 180 mo · new | Standard |
| USED RECREATIONAL (D (550 – 599))powersports_used | 10.500% APR | 10.500% | used | Standard |
| USED RECREATIONAL (E (549 & Lower))powersports_used | 11.000% APR | 11.000% | used | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 20-Year HELOC (Variable)heloc_variable | 4.000% APR | 4.000% | — | Standard |
Personal loan rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Loans (A+ (750 & Higher))personal_unsecured | 9.750% APR | 9.750% | — | Standard |
| Personal Loans (A (690 - 749))personal_unsecured | 10.250% APR | 10.250% | — | Standard |
| Personal Loans (B (640 - 689))personal_unsecured | 13.000% APR | 13.000% | — | Standard |
| Personal Loans (C (600 - 639))personal_unsecured | 14.500% APR | 14.500% | — | Standard |
| Personal Loans (D (550 - 599))personal_unsecured | 17.250% APR | 17.250% | — | Standard |
| Personal Loans (E (549 & Lower))personal_unsecured | 17.750% APR | 17.750% | — | Standard |
Credit card rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| CREDIT CARD RATE MATRIX: (A (690 - UP))credit_card | 9.950% APR | 9.950% | — | Standard |
| CREDIT CARD RATE MATRIX: (B (640 - 689))credit_card | 11.950% APR | 11.950% | — | Standard |
| CREDIT CARD RATE MATRIX: (C (600 - 639))credit_card | 13.950% APR | 13.950% | — | Standard |
| CREDIT CARD RATE MATRIX: (D (550 - 599))credit_card | 16.950% APR | 16.950% | — | Standard |
| CREDIT CARD RATE MATRIX: (E (549 - DOWN))credit_card | 17.950% APR | 17.950% | — | Standard |
Equipment loan rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| NEW EQUIPMENTequipment_new | 6.750% APR | 6.750% | — | Standard |
| USED EQUIPMENT (A+ (750 & Higher))equipment_used | 7.000% APR | 7.000% | — | Standard |
| USED EQUIPMENT (A (690 – 749))equipment_used | 7.250% APR | 7.250% | — | Standard |
| USED EQUIPMENT (B (640 – 689))equipment_used | 7.750% APR | 7.750% | — | Standard |
| USED EQUIPMENT (C (600 – 639))equipment_used | 11.000% APR | 11.000% | — | Standard |
| USED EQUIPMENT (D (550 – 599))equipment_used | 12.000% APR | 12.000% | — | Standard |
| USED EQUIPMENT (E (549 & Lower))equipment_used | 12.500% APR | 12.500% | — | Standard |
As of August 4, 2026, Saint Lawrence Credit Union offers a 30-year fixed mortgage at 7% APR. Vehicle loans available from 4.75% APR for 48 months. HELOC rates from 4% APR. Personal loan rates from 9.75% APR. Credit card rates from 9.95% APR. Equipment loans from 6.75% APR.
Source: RateAPI.dev, verified from Saint Lawrence Credit Union's official website
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About Saint Lawrence Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 13.3K
- Assets
- $267.7M
- Founded
- 1954
- Locations reported
- 6
- NCUA charter
- 9871
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- First-time homebuyer program
- 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 Saint Lawrence Credit Union
Membership eligibility from Saint Lawrence Credit Union's own published criteria. How we verify this.
Community charter: live/work in St. Lawrence County, Clinton County, Essex County +9 more, NY
- LocationSt. Lawrence County, Clinton County, Essex County, Franklin County, Fulton County, Hamilton County, Herkimer County, Jefferson County, Lewis County, Oneida County, Oswego County, Warren County — NY
Verified from Saint Lawrence Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Saint Lawrence Credit Union offer?
Saint Lawrence Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Saint Lawrence Credit Union rates updated?
RateAPI verifies Saint Lawrence 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 Saint Lawrence Credit Union's rate data?
Rate data is collected directly from Saint Lawrence 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 Saint Lawrence Credit Union's mortgage rate?
As of August 4, 2026, Saint Lawrence Credit Union offers a 30-year fixed mortgage at 7% APR.
What are Saint Lawrence Credit Union's auto & powersports loan rates?
As of August 4, 2026, Saint Lawrence Credit Union offers vehicle loans from 4.75% APR.
What is Saint Lawrence Credit Union's HELOC rate?
As of August 4, 2026, Saint Lawrence Credit Union offers home equity lines of credit from 4% APR.
What is Saint Lawrence Credit Union's personal loan rate?
As of August 4, 2026, Saint Lawrence Credit Union offers personal loans from 9.75% APR.
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 Saint Lawrence Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/saint-lawrence" \
-H "Authorization: Bearer YOUR_API_KEY"