Loan Rates
Loan Rates Effective: May 1, 2023
| Loan Type | Model Year | Terms (Months) | Rate (As Low As) |
|---|---|---|---|
| New Auto | 2020 & newer | ||
| 36 | 5.74% | ||
| 48 | 5.99% | ||
| 60 | 6.24% | ||
| 72 | 6.74% | ||
| Minimum loan of $25,000 | 84 | 7.24% | |
| Advantage Plus Auto – Balloon | 2020 & newer models | ||
| 36 | 6.74% | ||
| 48 | 6.99% | ||
| 60 | 7.24% | ||
| 72 | 7.74% | ||
| Advantage Plus Auto – Balloon | 2019 & 2018 models | ||
| 36 | 7.74% | ||
| 48 | 7.99% | ||
| 60 | 8.24% | ||
| Used Auto | 2016-2019 | ||
| 36 | 6.74% | ||
| 48 | 6.99% | ||
| 60 | 7.24% | ||
| 72 | 7.74% | ||
| Older Auto | 2015 & older | ||
| 36 | 8.74% | ||
| 48 | 8.99% | ||
| 60 | 9.24% | ||
| New Motorcycle & ATV | 2020 & newer | ||
| 36 | 5.99% | ||
| 48 | 6.24% | ||
| 60 | 6.49% | ||
| 72 | 7.24% | ||
| Used Motorcycle & ATV | 2019 & older | ||
| 36 | 6.99% | ||
| 48 | 7.24% | ||
| 60 | 7.49% | ||
| New RV & Boat | 2020 & newer | ||
| 36 | 6.74% | ||
| 60 | 7.49% | ||
| 96 | 7.99% | ||
| Minimum loan of $20,000 | 120 | 8.74% | |
| Minimum loan of $25,000 | 180 | 9.24% | |
| Used RV & Boat | 2019 & older | ||
| 36 | 7.74% | ||
| 60 | 8.49% | ||
| 96 | 9.24% | ||
| Minimum loan of $20,000 | 120 | 10.24% | |
| Minimum loan of $25,000 | 180 | 10.74% |
| Loan Type | Term (Months) | Rate (As Low As) |
|---|---|---|
| Personal (Signature) Loan | ||
| 12 | 8.24% | |
| 24 | 9.24% | |
| 36 | 10.24% | |
| 60 | 11.24% | |
| Overdraft Protection ² | ||
| 60 | 12.99% | |
| Secured Loans | ||
| Certificate Secured Loans ² | Term of Certificate | Certificate Rate + 3% |
| Share Secured Loans ² | 10 Year Max Term | Share Rate + 3% |
| Visa Credit Card ² | ||
| Non-variable Rate Visa Credit Card | 11.99% | |
| Home Equity Fixed Rate ² | ||
| 1st Position | 60 | 6.250% |
| 1st Position | 120 | 6.500% |
| 1st Position | 180 | 6.875% |
| Home Equity Fixed Rate² | ||
| 2nd Position | 60 | 6.75% |
| 2nd Position | 120 | 7.00% |
| 2nd Position | 180 | 7.375% |
| Adjustable Rate Home Equity LOC | ||
| 1st Position | 10 year draw | 7.74% |
| 2nd Position | 10 year draw | 8.74% |
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.
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 quarterly to a minimum of prime rate minus 0.51%. The maximum percentage rate that may be imposed in this variable rate plan is 15.00%. Consult your 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.