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APY = Annual Percentage Yield. APR = Annual Percentage Rate. CD Rates effective as of January 24, 2019. Fees may reduce earnings.


Certificates of Deposit (CDs) Learn More

Term Interest Rate APY
10 – 180 Days 0.05% 0.05%
6 Months 0.75% 0.75%
12 Months 0.90% 0.90%
24 Months 0.95% 0.95%
36 Months 1.00% 1.01% 

A penalty may be imposed for early withdrawal.

Minimum deposit $1,000 to open and earn stated APY.

Promotional Certificate of Deposit Accounts

Term Interest Rate APY Opening Deposit
12 - 36 Months 2.19% 2.21% $5,000 minimum opening deposit. STC Checking account required. Plus one add-on per year within the term of the CD (Min $1,000 add-on, no max)
12 - 36 Months 2.24% 2.27% $5,000 minimum opening deposit. Must have a good standing Relationship Advantage or Senior Relationship Advantage Checking account. Plus one add-on per year within the term of the CD (Min $1,000 add-on, no max)

A penalty may be imposed for early withdrawal.

Minimum deposit $5,000 to open and earn stated APY.

Must maintain a minimum daily balance of $5,000 to earn stated APY.

Individual Retirement Accounts (IRAs) Learn More

Term Interest Rate APY
12 Months 0.30% 0.30%
24 Months 0.50% 0.50%
36 Months 0.75% 0.75%

A penalty may be imposed for early withdrawal.

Minimum deposit $1,000 to open and earn stated APY.

Home Mortgages – Fixed Rate Conventional Learn More

Term Rate Points APR Monthly P&I Payment per $1,000
15 Years 3.875% 0 4.044% 7.33
15 Years 3.75% 1 4.063% 7.27
20 Years 4.25% 0 4.383% 6.19
20 Years 4.125% 1 4.372% 6.13
30 Years 4.375% 0 4.472% 4.99
30 Years 4.25% 1 4.430% 4.92

 

Non-Conforming - Vacant Land and Non-Conventional Properties

Term Rate Points APR Monthly P&I Payment per $1,000
15 Years 6.500% 0 6.617% 7.46

Government Rates - 30 Year Rural Development

Term Rate Points APR Monthly P&I Payment per $1,000
30 Years 5.125% 1 5.314% 5.44

 

Adjustable Rate Mortgage & Construction Mortgage: Contact STC for current terms and rates.

Equity Choice Lines of Credit Learn More

Type Term Rate Cap Rate
Variable Choice (1st and 2nd Lien with STC) 20 Years Highest Wall Street Prime + 0.00% 14.75%
Variable Choice (1st Lien is with another institution & 2nd Lien is with STC) 20 Years Highest Wall Street Prime + 0.75%  14.75%

Fee: None for loans of $200,000 or less. Loans of over $200,000, STC will pay the NYS mortgage tax up to $200,000 and the customer will pay anything over that amount. No closing cost on bank incurred fees only. Non-bank incurred fees are the responsibility of the customer.*

*If the loan is closed within 3 years after opening date, customer must reimburse the bank any closing costs paid to third parties in connection with opening this loan, unless the closed loan results in a new STC Home Equity.

Interest rates are variable and may change after account opening.

Home Equity Loans – Fixed Rate Learn More

Term Rate – 1st & 2nd Lien (with STC) Rate – 2nd Lien (1st with another institution)
1 - 60 Months 4.875% 5.500%
61 - 120 Months 5.375% 6.000%
121 - 180 Months 5.359% 6.625%

 

Fee: None for loans of $200,000 or less. Loans of over $200,000, STC will pay the NYS mortgage tax up to $200,000 and the customer will pay anything over that amount. No closing cost on bank incurred fees only. Non-bank incurred fees are the responsibility of the customer.*

*If the loan is closed within 3 years after opening date, customer must reimburse the bank any closing costs paid to third parties in connection with opening this loan, unless the closed loan results in a new STC Home Equity.

Unsecured / Undersecured Installment Learn More

Amount Max Term Rate
$0 - $4,999 60 Months 10.50%
$5,000+ 60 Months 10.25%

Secured Installment Learn More

Amount Max Term Rate Maximum Loan to Value
$0 - $4,999 60 Months 9.00% 100%
$5,000+ 60 Months 8.75% 100%

Loan to Value over 100% use Unsecured/Undersecured installment loan rates.

Direct Auto Loans Learn More

Vehicle Year Max Term Rate
New / Used 2019 & 2018 60 Months 4.75%
New / Used 2019 & 2018 66 Months 4.90%
New / Used 2019 & 2018 72 Months 5.20%
2017 60 Months 4.90%
2017 72 Months 5.20%
2016 60 Months 5.10%
2016 72 Months 5.40%
2015 60 Months 5.25%
2015 72 Months 5.50%
2014 60 Months 5.90%
2013 36 Months 6.25%
2013 48 Months 6.75%
2013 54 Months* 7.00%

Models Older Than 2013: To be financed as a secured personal loan with the vehicle taken as collateral. Recommended not to exceed 36 months.

*Ability to extend up to 6 months with an increase of .50%.

For a refinance loan the existing loan must be less than 18 months old and no new money can be given on the new loan.

Utility Trailers

Year Max Term Rate
New / Used 2019, 2018 & 2017 36 Months 8.15%
New / Used 2019, 2018 & 2017 48 Months 8.40%
New / Used 2019, 2018 & 2017 60 Months 8.65%
New / Used 2019, 2018 & 2017 72 Months 8.90%
Used 2016 - 2009 36 Months 8.65%
Used 2016 - 2009 48 Months 8.90%
Used 2016 - 2009 60 Months 9.15%

Motorcycles – On Road

Motorcycle Year Max Term Rate
New / Used 2019 & 2018 36 Months 4.50%
New / Used 2019 & 2018 48 Months 4.75%
New / Used 2019 & 2018 60 Months 4.85% 
New / Used 2019 & 2018 66 Months 5.20%
New / Used 2019 & 2018 72 Months 5.80%
New / Used 2019 & 2018 84 Months 7.99%
2017 & 2016 48 Months 5.30%
2017 & 2016 60 Months 5.40%
2017 & 2016 72 Months 6.00%
2015 48 Months 5.40%
2015 60 Months 5.50%
2015 72 Months 6.25% 
2014 48 Months 5.85%
2014 60 Months 5.95%
2013 36 Months 6.35%
2013 48 Months 6.85% 
2013 54 Months 7.15%

Models Older Than 2013: To be financed as a secured personal loan with the vehicle taken as collateral. Recommended not to exceed 36 months.

RV Campers, Boats, Motors, and Boat Trailers

Year Amount Financed Max Term Rate
2015 - 2019 $15,000 - $25,000 72 Months 9.25%
2015 - 2019 $10,000 - $14,999 66 Months 9.00%
2015 - 2019 $5,000 - $9,999 60 Months 8.75%

For model years 2014 to 2009 add .25% to each rate.

Models older than 2009 are financed at 9.75%.

Any loan under $5,000 is financed at 10.25%.

Credit Line Checking Learn More

Product Minimum Credit Line Rate
Credit Line Checking $500 16.00%

Loans Secured by Other STC Products

Type Term Rate
Loans secured by STC CD Not to exceed remaining term of CD 3% above CD rate
Loans secured by STC Trust Investment Accounts* 1 - 48 Months Fixed at Prime + 0.25%
Loans secured by STC Trust Investment Accounts* 49 - 60 Months Fixed at Prime + 0.50%

*Loan to Market Value at the time of the loan closing is up to 65%.