With Elmira Savings & Loan's new
you can get what you wish for.
Prime minus 0.25% for the life of the loan*

Call, visit, or apply online


300 West Water Street, Elmira, New York 14901  • 607-733-5533

200 East Buffalo Street, Suite 101B, Ithaca, NY 14850  • 607-272-4880

* the introductory rate of 2.99% APR (Annual Percentage Rate) is available for the first six months after closing., and is applicable to a minimum draw of $20,000 at the time of closing. After the six month introductory period, the rate is Prime minus .25% variable, currently 5.00% APR, with a minimum draw of $30,000 at closing and automatic payment, or prime plus zero, variable, currently 5.25% APR, for draws of $20,000 - $29,000 at closing and automatic payment. For draws less than $20,000 at closing, the rate is Prime plus 1.75%, variable, currently 7.00% APR. The APR on this account may vary monthly and is based on the prime rate published in the Wall Street Journal. The maximum rate for any HELOC will not exceed 14.90% APR. Closing costs are not charged, but you will be required to reimburse us for certain third party fees if the account is closed within four years of opening.

Member FDIC