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Consumer Loans

Just about everyone needs to borrow money on occasion! Whether for a family vacation, a new car or home improvement, we'll help you decide on the interest rate and repayment schedule that will fit your budget. Click on the Rates or Application link below for current Consumer Loan availability and information.

  • Auto and Truck Loans
  • Personal Loans
  • Visa® and MasterCard® Credit Cards
  • Cash Secured Loans

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VISA® & MASTERCARD® Credit Cards

A Credit Card from Kinderhook Bank is the convenient and affordable way to make your shopping, entertainment, and travel purchases. Discover the true rewards of a low rate and no hidden fees or service charges! Switch your card to a Kinderhook Bank Visa® or MasterCard® and apply for a new card today! Credit Card features:

  • Low 12.90% Annual Percentage Rate

  • No annual fees
  • 25-day interest free
  • Save every month with a 25-day grace period on new purchases when you pay your balance in full each month
  • On-line credit card access
  • View your account information and make payments online anytime, day or night
  • Worldwide acceptance

Your Visa® or MasterCard® may be used around the globe, wherever you see the Visa® or MasterCard® logo!

Interest Rate & Interest Charges

Annual Percentage Rate(APR) on Purchases


APR for Balance Transfers 12.90%
APR for Cash Advances 12.90%
Paying Interest We will not charge you any interest on purchases if you pay your entire balance by the due date each month. The Interest Charge on cash advances begins from the date you obtained the cash advance. The Interest Charge on balance transfers begins from the date the transaction is posted to your account.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50
For Credit Card Tips from the Consumer Finance Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


Annual Fees None

Transaction Fees


Balance Transfer Fees

3% of each balance transfer; $5.00 minimum

Cash Advance Fees

3% of each cash advance; $5.00 minimum

Fees for Foreign Purchases

1% of the US Dollar amount for currency conversion. 0.80% if no conversion occurs

Penalty Fees


Late Fees

Up to $25.00

Return Payment Fee

Up to $30.00

Over-the-Limit Fee


How we will calculate your balance?: We will use a method called AVERAGE DAILY BALANCE (including new purchases)

Information is current as of 4/1/19, the information listed above was accurate. Rates and terms are subject to change, please contact us for the current information by writing or calling our Main Office at 1 Hudson Street, Kinderhook, NY 12106 Ph: 518.758.7101

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