Loan Rates

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Loan Rates

Auto, Boat, RVs and Motorcycles Rates

Effective Date: Saturday, December 21st, 2024

Type	Note Rate	APR	Payment Example
New Vehicles	Up to 36 Months	4.49% special*	$594.85
2023-2024	37-60 Months	5.59% special*	$382.85
	61-72 Months	6.25% special*	$333.82
	73-84 Months	6.75% special*	$299.42
Used Vehicles	Up to 36 Months	4.49% special*	$594.85
2020-2023	37-60 Months	5.59% special*	$382.85
	61-72 Months	6.25% special*	$333.82
	73-84 Months	6.75% special*	$299.42
Used Vehicles	0-48 Months	7.00%	$478.92
2016-2019	49-60 Months	7.25%	$398.39
Used Vehicles 2015	Up to 36 Months	7.00%	$617.54
New Motorcycles	Up to 36 Months	4.49% special*	$594.85
2023-2024	37-60 Months	5.59% special*	$382.85
	61-72 Months	6.25% special*	$333.82
	73-84 Months	6.75% special*	$299.42
Used Motorcycles	Up to 36 Months	4.49% special*	$594.85
2020-2023	37-60 Months	5.59% special*	$382.85
	61-72 Months	6.25% special*	$333.82
	73-84 Months	6.75% special*	$299.42
Used Motorcycles	0-48 Months	7.00%	$478.92
2016-2019	49-60 Months	7.25%	$398.39
Used Motorcycles 2015	Up to 36 Months	7.00%	$617.54
APR is Annual Percentage Rate. Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2015 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $20,000 loan for highest term listed in range. Payment example does not include down payment, taxes or other fees. Auto Loan Example: $20,000 at 4.49% for 36 months. Monthly payment is $594.85 with total finance charges of $1,414.56 and total repayment of $21,414.56; To determine your exact payment, click here to use our Auto Loan Calculator.

Home Equity

Effective Date: Saturday, December 21st, 2024

Name	APR
Home Equity Line of Credit	1.99% APR fixed for the first 6 months. Variable rate thereafter.
*1.99% introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOC) with an 80% loan-to-value (LTV) or less. The APR is based on the person’s credit worthiness. Offer is available for new applications submitted and is for a limited time only. A minimum of one qualifying transaction must be made within 90 days of the HELOC open date for the introductory APR to apply. The introductory APR will remain fixed for the first 6 months and will begin on the date the HELOC is opened. After the introductory period, the APR becomes variable and adjusts based on the Prime Rate (the index) as published in the Wall Street Journal. As of July 27, 2023 the prime rate was 8.50%. The variable rate is as low as 8.25%. Variable interest rates may vary according to credit worthiness. Lifetime APR will not exceed 18% and will not go below 3%. Loans are subject to approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required. Customer pays no closing costs or appraisal fee. Consult a tax advisor regarding the deductibility of interest.

Name

APR

Home Equity Line of Credit

1.99% APR fixed for the first 6 months. Variable rate thereafter.

*1.99% introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOC) with an 80% loan-to-value (LTV) or less. The APR is based on the person’s credit worthiness. Offer is available for new applications submitted and is for a limited time only. A minimum of one qualifying transaction must be made within 90 days of the HELOC open date for the introductory APR to apply. The introductory APR will remain fixed for the first 6 months and will begin on the date the HELOC is opened. After the introductory period, the APR becomes variable and adjusts based on the Prime Rate (the index) as published in the Wall Street Journal. As of July 27, 2023 the prime rate was 8.50%. The variable rate is as low as 8.25%. Variable interest rates may vary according to credit worthiness. Lifetime APR will not exceed 18% and will not go below 3%. Loans are subject to approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required. Customer pays no closing costs or appraisal fee. Consult a tax advisor regarding the deductibility of interest.

Other Loans

Effective Date: Saturday, December 21st, 2024

Loan Type	APR
Personal	12.50%
Partially Secured (over 50% collateral)	11.50%
Fully Secured
Savings	5.20%
CD	3.00% + CD Rate
APR is Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Maximum loan amount $5,000. Maximum term for top credit only, 36 months. Personal Unsecured Loan Example: $5,000 at 12.50% for 36 months. Monthly payment is $167.27 with total finance charges of $1,021.64 and total repayment of $6,021.64. Payment example does not include taxes and insurance. Actual payment amount may be greater. All loans subject to approval.