Salt City Credit Union
Verified rate book
Current Salt City Credit Union rates
41 published offers verified as of August 4, 2026.
Mortgage rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.772% APR | 6.625% | — | Standard |
| VA 30-Year Fixed30 year fixed | 6.909% APR | 6.500% | — | Standard |
| USDA 30-Year Fixed30 year fixed | 7.037% APR | 6.375% | — | Standard |
| FHA 30-Year Fixed30 year fixed | 7.311% APR | 6.375% | — | Standard |
Auto & vehicle rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New and used 2025 - 2026auto_any_48mo | 4.990% APR | 4.990% | 48 mo · any | Standard |
| Used 2021 - 2024 1auto_used_48mo | 5.240% APR | 5.240% | 48 mo · used | Standard |
| New and used 2025 - 2026auto_any_36mo | 6.490% APR | 6.490% | 36 mo · any | Standard |
| New and used 2025 - 2026auto_any_60mo | 6.740% APR | 6.740% | 60 mo · any | Standard |
| New and used 2025 - 2026auto_any_72mo | 6.990% APR | 6.990% | 72 mo · any | Standard |
| Used Auto Loan (2016–2024)auto_used | 6.990% APR | 6.990% | used | Standard |
| 36-Month Used Auto Loan (2024 and Older)auto_used_36mo | 6.990% APR | 6.990% | 36 mo · used | Standard |
| 60-Month Used Auto Loan (2024 and Older)auto_used_60mo | 7.240% APR | 7.240% | 60 mo · used | Standard |
| 72-Month Used Auto Loan (2024 and Older)auto_used_72mo | 7.490% APR | 7.490% | 72 mo · used | Standard |
| New and used 2025 - 2026auto_any | 7.490% APR | 7.490% | any | Standard |
HELOC rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Member Pays Closing Costsheloc | 5.000% APR | 5.000% | — | Standard |
| CU Pays Closing Costsheloc | 5.250% APR | 5.250% | — | Standard |
| Memberheloc | 6.250% APR | 6.250% | — | Standard |
| CUheloc | 6.500% APR | 6.500% | — | Standard |
Personal loan rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Improvement Loan Rates 1personal_unsecured_36mo | 6.990% APR | 6.990% | 36 mo | Standard |
| Home Improvement Loan Rates 1personal_unsecured_60mo | 7.490% APR | 7.490% | 60 mo | Standard |
| Lifestyle Line of Credit Loanploc_variable | 7.990% APR | 7.990% | — | Standard |
| Home Improvement Loan Rates 1personal_unsecured_72mo | 8.490% APR | 8.490% | 72 mo | Standard |
| 36-Month Unsecured Personal Loanpersonal_unsecured_36mo | 8.990% APR | 8.990% | 36 mo | Standard |
| 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 9.490% APR | 9.490% | 60 mo | Standard |
| Personal Line of Creditploc_variable | 18.000% APR | 18.000% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| No Rewardsother | 4.900% APR | 4.900% | — | Standard |
| With Rewardsother | 5.900% APR | 5.900% | — | Standard |
Savings & CD rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| IRA & ESA Certificateira_cd_60mo | 3.40% APY | 3.40% | 60 mo | Standard |
| 60-Month Certificateshare_certificate_60mo | 3.45% APY | 3.40% | 60 mo | Standard |
| IRA & ESA Certificateira_cd_48mo | 3.45% APY | 3.45% | 48 mo | Standard |
| IRA & ESA Certificateira_cd_36mo | 3.50% APY | 3.50% | 36 mo | Standard |
| 48-Month Certificateshare_certificate_48mo | 3.50% APY | 3.45% | 48 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 3.55% APY | 3.50% | 36 mo | Standard |
| 30-Month Certificateshare_certificate_30mo | 3.60% APY | 3.55% | 30 mo | Standard |
| IRA & ESA Certificateira_cd_24mo | 3.70% APY | 3.70% | 24 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.75% APY | 3.70% | 24 mo | Standard |
| 18-Month Certificateshare_certificate_18mo | 3.95% APY | 3.89% | 18 mo | Standard |
| IRA & ESA Certificateira_cd_12mo | 3.99% APY | 3.99% | 12 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 4.05% APY | 3.99% | 12 mo | Standard |
| 3-Month Certificateshare_certificate_3mo | 4.10% APY | 4.03% | 3 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 4.20% APY | 4.13% | 6 mo | Standard |
As of August 4, 2026, Salt City Credit Union offers a 30-year fixed mortgage at 6.772% APR. Auto loans available from 4.99% APR for 48 months. HELOC rates from 5% APR. Personal loan rates from 6.99% APR. Credit card rates from 4.9% APR. Savings and certificate yields up to 4.20% APY.
Source: RateAPI.dev, verified from Salt City Credit Union's official website
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About Salt City Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 7K
- Assets
- $117M
- Founded
- 1953
- Locations reported
- 2
- NCUA charter
- 8512
- Charter type
- Federal credit union
Services and member support
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- 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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Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Salt City Credit Union
Membership eligibility from Salt City Credit Union's own published criteria. How we verify this.
Membership criteria are published on Salt City Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationOnondaga — NY
Verified from Salt City Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Salt City Credit Union?
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Frequently Asked Questions
What rates does Salt City Credit Union offer?
Salt City Credit Union currently offers mortgage, Auto 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 Salt City Credit Union rates updated?
RateAPI verifies Salt City 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 Salt City Credit Union's rate data?
Rate data is collected directly from Salt City 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 Salt City Credit Union's mortgage rate?
As of August 4, 2026, Salt City Credit Union offers a 30-year fixed mortgage at 6.772% APR.
What are Salt City Credit Union's auto loan rates?
As of August 4, 2026, Salt City Credit Union offers auto loans from 4.99% APR.
What is Salt City Credit Union's HELOC rate?
As of August 4, 2026, Salt City Credit Union offers home equity lines of credit from 5% APR.
What is Salt City Credit Union's personal loan rate?
As of August 4, 2026, Salt City Credit Union offers personal loans from 6.99% APR.
What is Salt City Credit Union's best CD rate?
As of August 4, 2026, Salt City Credit Union offers savings and certificate (CD) yields up to 4.20% APY.
Related Rate Data
Compare Salt City Credit Union's rates against national credit-union benchmarks.
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 Salt City Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/salt-city" \
-H "Authorization: Bearer YOUR_API_KEY"