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Lending Center

Cayuga Lake National Bank is a small, independent community bank that tailors our loan products to accommodate you. Cayuga Lake National Bank distinguishes itself from other area banks by making all credit decisions right in the Union Springs or Aurora office. All loans and mortgages remain in the portfolio of the bank and are not sold. These distinct characteristics give the institution a competitive edge over other banks. More personal attention is what you can expect from Cayuga Lake National Bank.


Commercial Loans

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 small business, corporations, partnerships and agricultural financing needs. Listed below are the types of commercial and farm loans offered by the bank. Please call our commercial loan officer for additional information.

  • Business Installment Loans
  • Commercial Lines of Credit
  • Letters of Credit

Commercial Mortgages

A commercial mortgage is a loan secured by commercial real estate, owner occupied and used for business purposes; including doctorís office, health center, repair shop, rental property, retail stores, etc. Please call our commercial loan officer for detailed information.

  • 15 year, 25% down
  • 25 year, 25% down
  • Fixed Interest Rates

Consumer Loans

Personal Loans

Personal requests may include a variety of reasons: vacation, 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

Donít 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.

Home Equity Credit Lines

A home equity loan is a loan secured by the equity in your home, also known as an equity 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

Your Home Loan Toolkit