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Cayuga Lake National Bank is a small, independent,
community bank. These distinct characteristics give the institution a
competitive edge over other area banks. We are able to tailor our loan
products to accommodate the community. All credit decisions are made at
the branch office. Another distinguishing feature is all loans and
mortgages remain in the portfolio of the bank. These products are
not sold. More personal attention may be given by servicing all of our
loans. A brief description of our loan products is provided below.
Use our Online Calculators
Request Loan Information
Contact the bank
Visit our Business Toolbox
Consumer Loans
Personal Loans
Personal requests may include a variety of reasons: vacation, tuition,
furniture, consolidation, etc. Not all expenses can be planned for:
medical, vehicle repair, emergency trips, etc.
Take advantage of lower
rates by pledging a deposit account as collateral.
Auto Loans
Don't drive yourself crazy looking for new and used car rates. Call
one of our lending officers to obtain the interest rates at a variety of
terms.
Recreational Loans
The Fingerlakes Region can be enjoyed in all four seasons. Take
advantage of the great outdoors in your new motor home, camper, boat,
snowmobile, or motorcycle. We can accommodate your year-round
recreational needs.
Overdraft Protection
Chek-Tek is a ready reserve line of credit for checking accounts
that provides for overdraft protection. This product will cover checks
written against an insufficient account balance. Your check is paid and
an overdraft fee is avoided.
Home Improvement Loans
Whether or not you own a new or old home, alterations and remodeling
are never-ending. Take advantage of a lower interest rate if you have your
mortgage with our bank.
Home Equity Loans
A home equity loan is a loan secured by the equity in your home. This is
also known as an equity line of credit. You may write checks that are
drawn against the line of credit. Checks may be written to purchase large
items, pay for education, or for home improvements. There is an
application fee and closing costs are assessed. You may be allowed to
deduct interest because the debt is secured by your home. Check with your
tax consultant regarding this feature.
Residential Mortgages
Buying a home may be one of your biggest purchases. Our
mortgage products are simple and easy to understand. The expertise
provided by our mortgage department will help you better understand your
financial obligations.
 | Various Terms |
| 20% down |
| No Points |
| Fixed Rates
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Commercial Loans
Cayuga Lake National Bank is pleased to be able to offer
a variety of business loans with no application fee. Economic development
in the area is important to us and that is why we strive to accommodate
all types of businesses. We offer loan products to serve the small
business owner, corporate structures, and farmers. Listed below are the
types of commercial loans offered by the bank. Please call our commercial
loan officer for additional information.
| Small Business Loans |
| Commercial Lines of Credit |
| Agricultural Loans |
Commercial Mortgages
A commercial mortgage is a loan secured by commercial
real estate. This type of collateral could be a doctor's office, health
center, repair shop, rental property, hardware store, restaurant, funeral
home, etc. Please call our commercial loan officer for detailed
information.
| 15 year, 25% down |
| 25 year, 25% down
NO POINTS/ FIXED RATES |
Credit Cards
Personal Customers
Platinum
MasterCard®
Get
a 0% Intro APR – then 7.99%*!
Introducing
the new Cayuga Lake National Bank Platinum MasterCard. Save big with a 0%
fixed Intro APR-then a low 7.99%*. Intro APR is good on purchases and
balance transfers. Plus, pay no annual fee.
| 0%
Intro APR – then 7.99%* |
| Good
on purchases and balance transfers |
| No
Annual Fee |
| Zero
liability on unauthorized purchases |
| Up
to $30,000 Credit Limit |
Cash
Rewards MasterCard®
Turn
your everyday purchases into Cash Rewards!
Earn
a 1% Cash Reward with the new Cayuga Lake National Bank Cash Rewards
MasterCard. Plus, get a 0% Intro APR* and pay No Annual Fee.
| 1%
Cash Reward |
| 0%
Intro APR* on purchases and balance transfers |
| No
Annual Fee |
| Zero
liability on unauthorized purchases |
| Up
to $30,000 Credit Limit |
For
more information or to apply, please visit a convenient banking
center location near you.
Business Customers
MasterCard®
BusinessCard
| No
Annual Fee |
| Low
Interest Rate (WSJ Prime + 5.99%) |
| Statement
Options |
| Online
Access For Accounts and Payments |
| Master
Rental Insurance Coverage |
| Purchase
Assurance |
| Travel
Assistance Services |
| Extended
Warranty |
| MasterCard®
Global Service |
This
is the perfect solution to your business purchasing needs. It has been
uniquely designed to help manage your company's everyday expenses, cash
flow and tax preparation. It allows you to separate your business
expenses from personal ones, all with the option to revolve at a very
competitive interest rate.
For
more information or to apply, please visit a convenient banking
center location near you.
Business
Travel Rewards MasterCard®
| All
The Features Of The Business Card........
With The Perk Of Travel Rewards! |
| Low
Annual Fee |
| Low
Prime Plus Interest Rate (WSJ Prime + 7.99%) |
This
has all the great features of the BusinessCard with the addition of a
low-cost Rewards program.
Earn
1 point for every $1 in net purchases charged to your Travel Rewards
card and redeem your points for airline tickets, gift certificates, even
cash.
For
more information or to apply, please visit a convenient banking
center location near you.
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Credit Card
Customer Service
Toll Free Phone Number
1-877-881-6018
Monday-Friday
7am-8pm CST
Saturday
8am-12pm CST
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