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HomeView RatesLoan Rates

Loan Rates

Consumer Loans - Autos, Motorcycles, Light Duty Trucks, Motor Homes and Recreational Boats

Effective Date: Tuesday, March 2, 2021

Consumer Loans - Autos, Motorcycles, Light Duty Trucks, Motor Homes and Recreational Boats

APR* as low asTerm in YearsMonthly Payment per $1,000Minimum Loan Amount
2.24%1$84.35$1,000
2.99%2$42.98$2,000
2.99%3$29.08$3,000
3.49%4$22.35$5,000
3.49%5$18.19$7,500
4.49%6$15.87$12,500
4.49%7$13.90$25,000
Apply Now

Interest rates above apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old. 

*Annual Percentage Rate (APR) is accurate as of January 1, 2021 and is subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Other Secured - Snowmobiles, Personal Watercrafts, ATVs, Campers and Travel Trailers

Effective Date: Tuesday, March 2, 2021

Other Secured - Snowmobiles, Personal Watercrafts, ATVs, Campers and Travel Trailers

APR* as low asTerm in YearsMonthly Payment per $1,000Minimum Loan Amount
3.99%1$85.15$300
4.74%2$43.76$2,000
4.74%3$29.85$3,000
5.24%4$23.14$5,000
5.24%5$18.98$7,500
6.24%6$16.69$12,500
6.24%7$14.72$17,500
Apply Now

Interest rates above apply to loans secured by non-titled personal recreational collateral and other chattel.

Includes titled vehicles 11 to 15 model years old and recreational equipment up to 10 model years old.

*Annual Percentage Rate (APR) is accurate as of January 1, 2021 and is subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply. 

Personal Loans - Debt consolidation, vacation, energy assistance and more.

Effective Date: Tuesday, March 2, 2021

Personal Loans - Debt consolidation, vacation, energy assistance and more.

APR* as low asTerm in YearsMonthly Payment per $1,000Minimum Loan AmountMaximum Loan Amount
8.49%1$87.22$300$25,000
9.24%2$45.79$1,500$25,000
9.24%3$31.91$2,000$25,000
9.74%4$25.24$2,500$25,000
9.74%5$21.12$5,000$25,000
10.74%6$18.90$15,000$25,000
Apply Now

*Annual Percentage Rate (APR) is accurate as of January 1, 2021 and is subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Creditbuilder, Certificate and Share Secured Loans

Effective Date: Tuesday, March 2, 2021

Creditbuilder, Certificate and Share Secured Loans

APR* as low asMaximum Term**Monthly Payment per $1,000Minimum Loan AmountMaximum Loan Amount
3.05%120 MonthsTerm DependentN/AN/AApply Now

*Annual Percentage Rate (APR) is accurate as of January 1, 2021 and is subject to change without notice. Loan rate will be calculated at 3% over the dividend rate earned on deposit securing loan. Maximum term is 120 months. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

HeLOCK (Fixed Rate Home Equity Line of Credit)

Effective Date: Tuesday, March 2, 2021

HeLOCK (Fixed Rate Home Equity Line of Credit)

Maximum Combined Loan to Value80%90%
Current APR* as low as3.25%3.75%
Interest RateFixedFixed
Draw PeriodFirst 5 YearsFirst 5 Years
RepaymentInterest Only repayment required for the first 5 years followed by a 15 amortizationInterest Only repayment required for the first 5 years followed by a 15 amortization
Minimum Loan Amount$20,000$20,000
Property TypePrimary Residence and Second HomesPrimary Residence and Second Homes
Apply Now

*Annual Percentage Rate (APR) is fixed and is accurate as of April 1, 2020. Rates are subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

HELOC Advantage Plus (Variable Rate)

Effective Date: Tuesday, March 2, 2021

HELOC Advantage Plus (Variable Rate)

Maximum Combined Loan to Value80%90%
Current APR* as low as3.25%3.75%
APR*VariableVariable
IndexPrime Rate as published in the Wall Street JournalPrime Rate as published in the Wall Street Journal
Margin as low as0.00%0.50%
APR* Adjustment CycleMonthlyMonthly
Draw PeriodFirst 10 YearsFirst 10 Years
RepaymentInterest Only repayment required for the first 10 years followed by a 20 amortizationInterest Only repayment required for the first 10 years followed by a 20 amortization
Minimum Loan Amount$20,000$20,000
Property TypePrimary Residence and Second HomesPrimary Residence and Second Homes
Apply Now

*Annual Percentage Rate (APR) is variable and is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the "Index"), plus a margin. The index as of the last change date of March 24, 2020 is 3.25%. Rates are subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

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NMLS #: 415389

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