Rates are accurate as of: May 16, 2012
Automobile
| Type/Year | Term | Annual Percentage Rate |
|
New 2011 & 2012 (Untitled)
|
up to 60 months | 3.75%* |
| Used | ||
| 2011 & 2010 | Up to 60 months | 3.75%* |
| 2009 | Up to 60 months | 3.75%* |
| 2008 | Up to 60 months | 3.75%* |
| 2007 | Up to 60 months | 3.75%* |
| 2006 | Up to 60 months | 3.75%* |
| 2005 and older | Up to 60 months | 3.75%* |
Home Improvement |
| Type | Term | Annual Percentage Rate |
| Up to 60 months | 3.75%* |
Personal Unsecured |
| Type | Term | Annual Percentage Rate |
| Up to 60 months | 3.75%* | |
Annual Percentage Rate (APR). Offer applies to new, personal installment loans only. This offer may not be used to refinance existing ATC loans and cannot be used with other offers or promotions. All loans are subject to application and credit approval. Minimum loan amount is $500. ** Discount applies to rate based on date of application. Discount not available to loans obtained through other third parties. Offer may be withdrawn at anytime and without notice.
* If you have an Adirondack Trust Company Checking or Savings Account and your monthly loan payment is automatically deducted from your account please reduce the above rate by 0.25%.
All loans are subject to credit approval.
A typical loan payment example is: If you borrow $10,000.00 secured by a vehicle, for sixty (60) months at 3.75% APR, the monthly principal and interest payment would be $183.04.
A monthly payment example based on the 3.75% APR, for a 5 year term, per $1,000 borrowed is $18.30.
