Loans

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Auto Loans

It's no secret that a dependable car is key to getting where you need to go in the snow, sleet and hail we have around Otsego County.  We at Leatherstocking Credit Union want to make sure that you have what you need for reliable transportation, or maybe even that sports car you've always dreamed of!  Stop in and we’ll work out the best plan for you!

Loans are available on both new and used vehicles

Refinance your auto loan with us

When you refinance your auto loan with Leatherstocking Credit Union, you can save up to 2% (with a floor rate of 2.89%) off your rate with your current lender! Call us at 607-547-5700 to learn how you could save today!

And when looking for a new auto loan, stop in to Leatherstocking Credit Union before signing with your dealer. We may be able to match, or even beat the rate they are offering you!

RV & Off-Road Vehicles Loans

Always dreamed of owing an RV or an off-road vehicle? Now is the time! Stop in today and let us make this dream become a reality!

Loans are available on both new and used vehicles.

Boat Loans

With lakes all around us, the time is now to get out on the open water! Contact us today to learn how we can get you in a boat fast!

Loans are available on both new and used vehicles

General Loans

These loans can be used for a wide range of purposes from a vacation getaway to a household appliance. We offer flexible terms ranging from 12 to 60 months. (Rates start as low as 7.99%).

Skip-A-Payment

Three times for the life of the loan, members in good standing with no delinquent loans may choose to skip a loan payment. A $30 fee per loan skipped. Offer applies to all loan types except credit cards, revolving loans which include Line of Credit, Home Equity and Mortgages. Interest will continue to accrue on the outstanding balance which may cause the maturity date on the loan to be extended. Request must be received and approved at least 10 days prior to the loan payment due date and signed by all borrowers. TO SKIP YOUR LOAN PAYMENT PLEASE GIVE US A CALL AT (607) 547-5700.

We need the following information to process all loans, in addition to your loan application:

Proof of income:

  • If employed, your current pay stub
  • If retired, proof of social security and retirement income
  • If self-employed, a copy of the last 2 year’s Federal Income Tax Return, including profit & loss section

Additional information needed for vehicle loans:

  • Copy of the purchase agreement from the dealer, with the purchase price, VIN number, and make & model of the vehicle. This is also needed even if the sale is from a private individual.
  • Insurance verification is needed for the new vehicle, with the name of the individual(s) on the title, and Leatherstocking Region Federal Credit Union listed as the lien holder.