Loan Rates

Loan Rates Effective: January 1, 2023
Loan TypeModel YearTerms
(Months)
Rate
(As Low As)
New Auto2020 & newer
365.24%
485.24%
605.24%
725.99%
Minimum loan of $25,000846.24%
Advantage Plus Auto – Balloon2020 & newer models
366.24%
486.24%
606.24%
726.99%
Advantage Plus Auto – Balloon2019 & 2018 models
367.24%
487.24%
607.24%
Used Auto2016-2019
366.24%
486.24%
606.24%
726.99%
Older Auto2015 & older
368.74%
488.99%
609.24%
New Motorcycle & ATV2020 & newer
365.74%
485.74%
605.99%
726.74%
Used Motorcycle & ATV2019 & older
366.74%
486.99%
607.24%
New RV & Boat2020 & newer
366.49%
606.99%
967.49%
Minimum loan of $20,0001208.24%
Minimum loan of $25,0001808.74%
Used RV & Boat2019 & older
367.49%
607.99%
968.74%
Minimum loan of $20,0001209.74%
Minimum loan of $25,00018010.24%
Loan TypeTerm
(Months)
Rate
(As Low As)
Personal (Signature) Loan
127.74%
248.74%
369.74%
6010.74%
Overdraft Protection ²
6010.99%
Secured Loans
Certificate Secured Loans ²Term of CertificateCertificate Rate + 3%
Share Secured Loans ²10 Year Max TermShare Rate + 3%
Visa Credit Card ²
Non-variable Rate Visa Credit Card10.99%
Home Equity Fixed Rate ²
 1st Position606.250%
 1st Position1206.500%
 1st Position1806.875%
Home Equity Fixed Rate²
 2nd Position606.75%
 2nd Position1207.00%
 2nd Position1807.50%
Adjustable Rate Home Equity LOC
1st Position10 year draw6.99%
2nd Position10 year draw7.99%

Auto Loan Payment Example:
The payment on a $10,000 loan would be $180.76 by using $18.08 per $1,000 at a non-variable interest rate of 3.24% APR¹ with a 60 month term.

Home Equity Loan Payment Example:
The payment on a $50,000 loan would be $530.33 by using $53.03 per $1,000 at a non-variable interest rate of 5.00% APR¹ with a 10 year term.

Adjustable Rate Home Equity LOC:
Variable rates are set to adjust annually after fixed rate period ends to a minimum of prime interest rate plus 0.00%. The prime interest rate is currently 3.50% APR. The maximum annual percentage rate that may be imposed in a variable rate plan is 15.00% APR. Consult a tax advisor regarding the deductibility of interest.

Personal Loan Payment Example:
The payment on a $10,000 loan would be $205.12, $20.51 per $1,000 at a non-variable interest rate of 8.49% APR¹ with a 60 month term.