Financial Calculators

*6 month Certificates of Deposit effective 02/01/26 with an Annual Percentage Rate (APY) of 4.00%. Requires a minimum deposit of $500.00 to open the account and obtain the APY of 4.00%. New money only. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Purchase or Refinance: 60 day rate lock.

New Construction New Build: 240 day rate lock.

Minimum Loan amount: $25,000; Maximum conforming amount: $806,500.00.

Purchase or Refinance: 90 day rate lock.

New Construction New Build: 360 day rate lock.

Minimum Loan amount: $25,000; Maximum conforming amount: $832,750.00.

Certificates of Deposit require a minimum deposit of $500.00 to open. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

*Minimum deposit to open is $2500.00. Rates are subject to change without notice. 

Rates are subject to change without notice.

*Variable APR stated is current as of 5/1/2026 and can periodically change based on Prime. The Standard Variable Rate is based upon The Wall Street Journal Prime Rate ("Prime") (6.75% on 1/1/2026). Prime may change at any time without notice. The APR is variable and may change monthly, based upon the Prime rate as published in The Wall Street Journal. The minimum APR will never go below 16.00% and will never exceed 19.00%.

Minimum Loan amounts:

 $2,000 on terms up to 75 months

$25,000 on terms 76-84 months

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application, how your payment is made and credit information.

By way of example, for a new AUTO, with a loan amount of $30,000, and an annual percentage rate of 5.572% for 66 months, your monthly payment would be: $528.79.

* The annual percentage rates (APR) are based on a $30,000 loan for the highest term available and discounted 0.25% for Solvay Bank account holders with automatic payment from the following Solvay Bank qualified accounts: Direct Rewards Checking, High Interest Checking, Emerald Checking, and Diamond Checking. Add an additional 0.25% to the advertised rates for applicants without auto payment from a qualified checking account. Your actual APR may vary and will be based on your application and credit information. The APRs for titled vehicles include a $25 VSI fee. Additional terms and conditions may apply. All rates and terms are subject to change without notice.

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application, how your payment is made and credit information.

By way of example, on a NEW BOAT loan for $30,000 with an annual percentage rate of 8.523% for 66 months, your monthly payment would be: $570.95.

* The annual percentage rates (APR) are based on a $30,000 loan, which includes a 10% down payment, for the highest term available and discounted 0.25% for Solvay Bank account holders with automatic payment from the following Solvay Bank qualified accounts: Direct Rewards Checking, High Interest Checking, Emerald Checking, and Diamond Checking. Add an additional 0.25% to the advertised rates for applicants without auto payment from a qualified checking account. Your actual APR may vary and will be based on your application and credit information. The APRs for titled vehicles include a $25 VSI fee. Additional terms and conditions may apply. All rates and terms are subject to change without notice.

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application, how your payment is made and credit information.

By way of example, on a 2023 USED BOAT loan for $30,000 with an annual percentage rate of 9.273% for 66 months, your monthly payment would be: $581.98.

* The annual percentage rates (APR) are based on a $30,000 loan, which includes a 10% down payment, for the highest term available and discounted 0.25% for Solvay Bank account holders with automatic payment from the following Solvay Bank qualified accounts: Direct Rewards Checking, High Interest Checking, Emerald Checking, and Diamond Checking. Add an additional 0.25% to the advertised rates for applicants without auto payment from a qualified checking account. Your actual APR may vary and will be based on your application and credit information. The APRs for titled vehicles include a $25 VSI fee. Additional terms and conditions may apply. All rates and terms are subject to change without notice.

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application, how your payment is made and credit information.

By way of example, on a HOME IMPROVEMENT loan for $10,000 with an annual percentage rate of 8.24% for 48 months, your monthly payment would be: $245.26.

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APRs available. Your APR may vary and will be based on your application, how your payment is made and credit information.

By way of example, on a NEW MOTORCYCLE loan for $20,000 with an annual percentage rate of 7.293% for 60 months, your monthly payment would be: $398.79.

* The annual percentage rates (APR) are based on a $20,000 loan, which includes a 10% down payment, for the highest term available and discounted 0.25% for Solvay Bank account holders with automatic payment from the following Solvay Bank qualified accounts: Direct Rewards Checking, High Interest Checking, Emerald Checking, and Diamond Checking. Add an additional 0.25% to the advertised rates for applicants without auto payment from a qualified checking account. Your actual APR may vary and will be based on your application and credit information. The APRs for titled vehicles include a $25 VSI fee. Additional terms and conditions may apply. All rates and terms are subject to change without notice.

Minimum Loan Amount: $2,000

Subject to credit approval. Rates shown are the lowest APR's available. Your APR may vary and will be based on your application, how your payment is made and credit information.

+Personal Secured loans are secured with a Solvay Bank Certificate of Deposit, Solvay Bank Savings account, Marketable Securities, Solvay Bank Stock or Cash Surrender Value Life Insurance. Secured funds cannot be a retirement or 401K account. Advertised APR is the lowest available. The APR for this loan type varies based on collateral and deposit account APR. Other restrictions may apply.  

By way of example, on a PERSONAL UNSECURED loan for $5,000 with an annual percentage rate (APR) of 9.74% for 48 months, your monthly payment would be: $126.19. Additional terms and conditions may apply. All rates and terms are subject to change without notice.

Purchase or Refinance: 60 day rate lock

New Construction New Build: 240 day rate lock

New Construction Draw Only: 240 day rate lock

Minimum Loan amount: $25,000; Maximum conforming amount: $806,500.00.

Purchase or Refinance: 60 day rate lock.

New Construction New Build: 240 day rate lock.

New Construction Draw Only: 240 day rate lock.

Minimum Loan amount: $25,000; Maximum conforming amount: $806,500.00.

Option to receive a 1/8% (0.125%) discount on the APRs listed above for terms of 10, 15 or 20 years when you have your loan payments automatically deducted from your Direct Rewards, High Interest or Emerald Checking account at Solvay Bank.

¹The annual percentage rates (APR) are current as of 11/04/2025. Monthly payment examples are based on a loan amount of $165,000.00 with a $110,000 down payment with .0 points. Interest rates are subject to change at any time without notice due to market conditions or borrower eligibility. The rates shown are based on rates for well-qualified applicants. Individual rates may vary. Monthly payment does not include property taxes or homeowners insurance. Your actual monthly payment may be greater. Mortgage insurance is required if the loan to value exceeds 80%. Homeowners insurance and flood insurance, if applicable, are required. Subject to credit approval and property appraisal based on secondary market underwriting requirements.

Qualifications

To qualify for the 2.00% APY and ATM fee refunds, simply do the following each monthly statement cycle:

• Receive eStatements
• Have at least one electronic direct deposit of salary, pension, or government benefits post and clear 
• Have at least 12 debit card transactions post and clear
• Have at least one electronic direct deposit of salary, pension, or government benefits each statement cycle to avoid a $5 monthly maintenance fee

See. Unbelievably simple. And even if you don't qualify one cycle, you still have a checking account that earns our base rate of 0.05% APY.

Rates may change at any time after the account is open. Fees may reduce earnings. 

*Annual Percentage Yield (APY) is accurate as of 03/13/2025. 4.00% APY is for 12 months from account opening if account qualifications and rate tiers are met. Current checking account holders or those who have closed a checking account within the last 90 days are not eligible for this offer. Limit one new checking account per tax ID. Rate may change after promotional period. Account holder must meet the following qualifications each statement cycle to earn rate and ATM refunds: (1) post and clear 12 debit card purchases; (2) post one electronic direct deposit; (3) receive eStatements. At least one electronic direct deposit of salary, pension, or government benefits is required each statement cycle to avoid a $5 monthly maintenance fee. If your daily balance is $15,000 or less, the interest rate will be 3.93% with an APY of 4.00%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $15,000. The APY for this tier will range from 0.10% to 4.00% depending on the balance in the account. If monthly qualifications are not met, the rate will be 0.05% with a 0.05% APY on all balances. Minimum deposit is $15. Fees may reduce earnings. Promotion may end without notice.

*Annual Percentage Rate (APR)

** Stated APRs reflect a rate discount of 0.25% for maintaining automatic payment from a Direct Rewards, High Interest or Emerald Checking account.  

• Loan Limits from $15,000 to $300,000
• Fixed Interest Rate / amortized monthly payment of principal and interest
• No closing costs¹ for loans of $250,000 or less
• At closing, the Borrower will be required to pay New York State Mortgage Tax of 1% on any portion of the loan which exceeds $250,000
• Maximum available equity is up to 90% of the appraised value minus the balance of the first mortgage
• Subject to credit approval
• Property Insurance and, if applicable, flood insurance is required
• Consult tax advisor for tax deductibility
• Rates are subject to change and set based upon the current rate for the day you apply.

Typical loan payment examples are as follows: If you borrow $15,000, secured by a first lien for 36 months at 5.875% APR, the monthly payment would be $455.58. If you borrow $15,000, secured by a second lien for 180 months at 8.125% APR, the monthly payment would be $144.43. Monthly payment examples do not include property taxes or homeowners insurance. Your actual monthly payment may be higher. Additional terms and conditions may apply.

¹To qualify for no closing costs, customers must maintain the Home Equity Fixed Rate Loan in good standing for 36 months. Early discharge of the Home Equity Fixed Rate Loan, for any reason within 36 months of the original note date, may require payment of closing costs at the time of cancellation. These third party fees generally total between $597.22 and $2,602.30.

*Variable APRs stated are current as of 11/1/2025 and can periodically change based on Prime. See below for important information. The current Prime Rate is 7.00%

¹The Standard Variable Rate is based upon The Wall Street Journal Prime Rate ("Prime") (7.00% on 11/1/2025). Prime may change at any time without notice. If Prime increases or decreases during the Introductory Period, the Introductory Rate and minimum required payment will correspondingly change. APRs are variable and may change monthly, based upon the Prime rate as published in The Wall Street Journal (7.00% on 11/1/2025), but will not exceed 15.00%. Offer is available on first and second liens with a maximum CLTV of 90% on single-family, owner-occupied residences. HELOC is a 10-year open-end draw line with interest-only monthly payments and 15-year fully amortized monthly payments of principal and interest. Offer is subject to credit approval. Property insurance and, if applicable, flood insurance is required. No closing costs for loans up to $250,000. If you cancel/close your line within 3 years you must reimburse the bank for any third-party fees (ranging from $597.22 - $2,602.30) at the time of cancellation. Loans over $250,000: borrower is responsible for 1.00% mortgage tax. Consult tax advisor for tax deductibility. Rates, terms, and conditions are subject to change without notice. No other discounts will apply. NMLS#463170. Member FDIC. Equal Housing Lender.

²The Variable Introductory Rate is based upon The Wall Street Journal Prime Rate ("Prime") (7.00% on 11/1/2025) minus 0.50%. Prime may change at any time without notice. If Prime increases or decreases during the Introductory Period, the Introductory Rate and minimum required payment will correspondingly change. The Variable Introductory Rate reflects a rate discount of Prime minus 0.50% for customers enrolled in Direct Rewards Checking, High Interest Checking, or Emerald Checking with automatic payment at the time the Home Equity Line of Credit (HELOC) is opened. The Variable Rate Introductory Offer is applicable to all funds withdrawn from the line of credit during the 12 month Introductory Period beginning from the date the HELOC is opened. After the Variable Rate Period ends, any and all remaining balances will automatically convert to the Variable Rate of the Prime Minus 0.25%, if a Direct Rewards Checking, High Interest Checking, or Emerald Checking account with automatic payment is maintained. If Prime increases or decreases, the Variable Rate and minimum required payment will correspondingly change. Other APRs apply without a Direct Rewards Checking, High Interest Checking, or Emerald Checking account with automatic payment. APRs are variable and may change monthly, bases upon the Prime rate as published in The Wall Street Journal (7.00% on 11/1/2025), but will not exceed 15.00%. Offer is available on first and second liens with a maximum CLTV of 90% on single-family, owner-occupied residences. HELOC is a 10-year open-end draw line with interest-only monthly payments and 15-year fully amortized monthly payments of principal and interest. Offer is subject to credit approval. Property insurance and, if applicable, flood insurance are required. No closing costs for loans up to $250,000. If you cancel/close your line within 3 years you must reimburse the bank for any third party fees (ranging from $597.22 - $2,602.30) at the time of cancellation. Loans over $250,000: borrower is responsible for 1.00% mortgage tax. Consult tax advisor for tax deductibility. Rates, terms and conditions are subject to change without notice. No other discounts will apply. NMLS#463170. Member FDIC. Equal Housing Lender.

*Variable APRs stated are current as of 11/1/2025 and can periodically change based on Prime. See below for important information. The current Prime Rate is 7.00%

• Loan Limits from $15,000 to $300,000
• No closing costs² for loans of $250,000 or less
• At closing, the Borrower will be required to pay New York State Mortgage Tax of 1% on any portion of the loan which exceeds $250,000
• Variable Rate / Minimum payment of monthly accrued interest
• Maximum available equity is up to 90% of the appraised value minus the balance of the first mortgage
• Credit line checks provided for easy access to line
• Property Insurance and, if applicable, flood insurance is required
• Subject to credit approval
• Consult tax advisor for tax deductibility

Rates are variable and may adjust monthly based on changes to the Prime Rate, as published in the Wall Street Journal.

²To qualify for no closing costs, customers must maintain the Home Equity Line of Credit in good standing for 36 months. Early discharge of the Home Equity Line of Credit, for any reason within 36 months of the original note date, may require payment of third party fees at the time of cancellation. These third party fees generally total between $597.22 and $2,602.30.

³The Variable Introductory Rate is based upon The Wall Street Journal Prime Rate ("Prime") (7.00% on 11/1/2025) minus 0.50%. Prime may change at any time without notice. If Prime increases or decreases during the Introductory Period, the Introductory Rate and minimum required payment will correspondingly change. The Variable Introductory Rate reflects a rate discount of Prime minus 0.50% for customers enrolled in Direct Rewards Checking, High Interest Checking, or Emerald Checking with automatic payment at the time the Home Equity Line of Credit (HELOC) is opened. The Variable Rate Introductory Offer is applicable to all funds withdrawn from the line of credit during the 12 month Introductory Period beginning from the date the HELOC is opened. After the Variable Rate Period ends, any and all remaining balances will automatically convert to the Variable Rate of the Prime Minus 0.25%, if a Direct Rewards Checking, High Interest Checking, or Emerald Checking account with automatic payment is maintained. If Prime increases or decreases, the Variable Rate and minimum required payment will correspondingly change. Other APRs apply without a Direct Rewards Checking, High Interest Checking, or Emerald Checking account with automatic payment. APRs are variable and may change monthly, bases upon the Prime rate as published in The Wall Street Journal (7.00% on 11/1/2025), but will not exceed 15.00%. Offer is available on first and second liens with a maximum CLTV of 90% on single-family, owner-occupied residences. HELOC is a 10-year open-end draw line with interest-only monthly payments and 15-year fully amortized monthly payments of principal and interest. Offer is subject to credit approval. Property insurance and, if applicable, flood insurance are required. No closing costs for loans up to $250,000. If you cancel/close your line within 3 years you must reimburse the bank for any third party fees (ranging from $597.22 - $2,602.30) at the time of cancellation. Loans over $250,000: borrower is responsible for 1.00% mortgage tax. Consult tax advisor for tax deductibility. Rates, terms and conditions are subject to change without notice. No other discounts will apply. NMLS#463170. Member FDIC. Equal Housing Lender.

*Horizon High-Yield Savings requires a companion Solvay Bank High Interest Checking Account. Your account earns interest using a tiering method where the stated rate only applies to the portion of the balance within the specified tier. You can maintain a Horizon High-Yield Savings account only if the qualifying High Interest Checking account with the same tax ID, meets the account qualifications each statement cycle. Annual Percentage Yield (APY) is accurate as of 01/22/2026. Minimum opening deposit is $15.00. Tier 1: A daily balance up to $24,999.99 earns an interest rate of 3.20% with an APY of 3.25%. Tier 2: A daily balance from $25,000.00 up to $49,999.99 earns an interest rate of 3.20%, the APY for this tier will range from 3.25% to 3.25% depending on the balance in the account. Tier 3: An interest rate of 0.10% will be paid only for the portion of your daily balance that is greater than $50,000. The APY for Tier ranges from 0.10% to 3.25% depending on the balance in the account. The rate may change after account opening. If High Interest Checking account qualifications are not maintained for three consecutive months, the Bank reserves the right to convert the Horizon High Yield Savings account to a Statement Savings account with corresponding rates and fees within 45 days of our notification to you. A new Horizon High Yield Savings cannot be re-opened for at least 90 days from an account conversion/account closure. A $25.00 fee or the account balance, if less than $25.00 will be charged if you close your account within 6 months of the open date. Limit one Horizon High Yield Savings account per tax ID, personal accounts only. Fees may reduce earnings.

Fees could reduce earnings on the account.

Rate may change at any time after the account is open.

IRA Certificates of Deposit require a minimum deposit of $500.00 to open. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Qualifications

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Qualifications

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Fees could reduce earnings on the account.

Rate may change at any time after the account is open.

Fees could reduce earnings on the account.

Rate may change at any time after the account is open.

Rates are subject to change without notice.

Rate may change at any time after the account is open.

Fees could reduce earnings on the account.

Fees could reduce earnings on the account.

Rate may change at any time after the account is open.

Rate may change at any time after the account is open. Fees may reduce earnings.

Rate may change at any time after the account is open. Fees may reduce earnings.

Fees could reduce earnings on the account.

Rate may change at any time after the account is open.