About Us – Salt City FCU

As a member-owned financial institution, our mission since 1953 has been to improve financial lives. Rooted in CNY’s industrious past, virtually everything we do centers around a time-honored commitment to our members and the community.

We do a lot more than help people save on loans and earn on savings. We’re a trusted partner in reaching financial goals and dreams—and a lifeline when times are tough.

Honoring our past and the economic and natural resilience of our community, ACMG became Salt City Federal Credit Union in 2025. Having grown nearly 60 percent over the last few years, our new name is also a celebration of strength and staying power.

Renovation of our Solvay headquarters is the perfect metaphor of our success. Instead of tearing down, we’re building on our strengths—and our success story keeps getting better. Facilities, access, products and services are continuously improving to meet evolving needs.

We may look a little different, but we’re still the same great credit union with the same strong values. The important things will never change, because we’re local and we care.

Rewards Card¹	Annual Percentage Rate (as low as)
With Rewards	8.90%
No Rewards	7.90%

Balance transfer	Annual Percentage Rate (as low as)
With Rewards	5.90%
No Rewards	4.90%

Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
36	6.99%	$30.87
60	7.49%	$20.03
72	8.49%	$17.77

Type of Loan ¹	Closing Costs Paid By	Annual Percentage Rate (as low as)
$10,000 – $20,000	Member	7.50%
$20,001 – $50,000	Member	7.25%
$50,001 +	Member	7.00%
$10,000 – $20,000	CU	7.75%
$20,001 – $50,000	CU	7.50%
$50,001 +	CU	7.25%

Type of Loan¹	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed²
Member Pays Closing Costs	60	4.75%	$18.76
	120	5.25%	$10.73
	180	5.75%	$8.30
CU Pays Closing Costs	60	5.00%	$18.87
	120	5.50%	$10.86
	180	6.00%	$8.44

Online and mobile banking will be down Thursday Jan 23rd from 9 am to 2 pm.

Salt City FCU–New Name, Same Great Credit Union

Headquarters Mailing Address

Contact Us

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹See VISA Credit Card Application Disclosure and Agreement for details

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Minimum loan amount is $5,000 and maximum is $20,000

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Payment examples do not include amounts for taxes and insurance premiums, if applicable. Credit union does not offer a fully administered escrow program.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Credit union does not offer a fully administered escrow program.

2 Payment examples do not include taxes and insurance premiums, if applicable

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Powersport vehicles have a maximum term of 84 months.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹ Contact us for rates on older vehicles

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 A typical auto loan of $40,000 at 6.99% APR would have 60 monthly payments of $625.96 each month and would include a balloon payment due at loan maturity of $12,500.

2 A typical auto loan of $40,000 at 7.49% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.

Type of Loan	Term (Months)¹	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	60	6.24%	$19.44
	84	6.74%	$14.97
	144	7.24%	$10.41
	180	7.74%	$9.70
Used 2015 – 2023	60	6.74%	$19.68
	84	7.24%	$15.21
	144	7.74%	$10.68
	180	8.24%	$9.70

Type of Loan	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	48	5.49%	$23.25
	60	5.64%	$19.17
	72	5.84%	$16.50
	84	6.34%	$14.77
Used 2015 – 2023 ¹	48	5.99%	$23.48
	60	6.14%	$19.40
	72	6.34%	$16.73
	84	6.84%	$15.01

Tier	Min Balance	Dividend Rate	APY 1
1	$2,500	.35%	.35%
2	$25,000	.40%	.40%
3	$50,000	.45%	.45%
4	$100,000	.50%	.50%

Tier	Minimum Balance	Dividend Rate	APY 1
1	$0	.20%	.20%
2	$2,500	.40%	.40%
3	$10,000	.60%	.60%

Months	Dividend Rate	APY 1
12	4.62%	4.70%
24	4.13%	4.20%
36	2.87%	2.90%
48	2.92%	2.95%
60	2.97%	3.00%

Account	Dividend Rate	APY 1
Savings Accounts	.05%	.05%
IRA and ESA Savings	.15%	.15%

Type of Loan	Term (Months)	Annual Percentage Rate¹ (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	36	6.74%	$30.76
	60	6.99%	$19.80¹
	72	7.24%	$17.16
Used 2023 and older	36	7.24%	$30.99
	60	7.49%	$20.03²
	72	7.74%	$17.41