The People's Bank   

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.

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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.

Mobile Home Loans
New and used mobile homes loans are available. Our application process is easy and there is no application fee.

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.

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.

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.

Credit Cards 

Personal Customers

Business Customers