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Loan Rates

New & Pre-Owned Auto

Effective as of November 28, 2016

Auto

1 – 36 Months
APR

37 – 48 Months
APR

49 – 60 Months
APR

2015 - 2016 Models, New
2011 - 2014 Models, Used
1.89%
1.99%
2.19%
2.29%
2.29%
2.39%
2010 & Earlier Models
Pre-Owned
6.99%

Longer Term Auto

61 – 72 Months
$20,000+ MSRP/NADA

73 – 84 Months
$30,000+

2015 - 2016 Models New
2.49% 3.89%
2011 - 2014 Models Used
2.59% N/A

¹APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Payment example: $20,000 Loan at 2.29% APR for 60 months: Monthly Payment: $353.15, Interest over life of loan: $1,188.71, Total Cost of loan: $21,188.71. Approval & rate based on creditworthiness.

Recreational

Effective as of July 14, 2016

New Recreational Items

Jet Skis
100% Financing

0-36 Mo.
APR

37-48 Mo.
APR

49-60 Mo.
APR

 
  6.75% 7.00% 7.25%  
Motorcycles
100% Financing

0-36 Mo.
APR

37-48 Mo.
APR

49-60 Mo.
APR

61-72 Mo.
APR

4.99% 5.24% 5.49% 5.74%
  Minimum Loan $20,000
Boat, Motor/Travel Trailer, Camper
Up to 100% Financing **

0-36 Mo.
APR

37-48 Mo.
APR

49-60 Mo.
APR

61-72 Mo.
APR

4.00% 4.24% 4.49% 4.74%
 

73-84 Mo.
APR

10 Yrs.
APR

15 Yrs.
APR

 
4.99% 5.49% 6.49%  
  Minimum Loan $25,000 Minimum Loan $35,000  
** Boats over $50,000.00 require a 10% down payment and cannot exceed 90% financing.
Motorhome/
RV

90% Financing + 10% down

0-36 Mo. APR

37-48 Mo. APR

49-60 Mo.
APR

61-72 Mo.
APR

4.00% 4.24% 4.49% 4.74%
 

73-84 Mo.
APR

10 Yrs.
APR

15 Yrs.
APR

 
4.99% 5.49% 6.49%  
  Minimum Loan $25,000 Minimum Loan $35,000  

Used Recreational Vehicles

Jet Skis
100% Financing

0-36 Mo.
APR

37-48 Mo.
APR

49-60 Mo.
APR

 
  7.00% 7.25% 7.50%  
Motorcycles
100% Financing

0-36 Mo.
APR

37-48 Mo.
APR

49-60 Mo.
APR

61-72 Mo.
APR

5.24% 5.49% 5.74% 5.99%
  Minimum Loan $20,000
Boat, Motor/Travel Trailer, Camper
Up to 100% Financing ***

0-36 Mo.
APR

37-48 Mo.
APR

49-60 Mo.
APR

61-72 Mo.
APR

4.24% 4.49% 4.74% 4.99%
 

73-84 Mo.
APR

10 Yrs.
APR

15 Yrs.
APR

 
5.24% 5.74% 6.74%  
  Minimum Loan $25,000 Minimum Loan $35,000  
*** Boats over $50,000.00 require a 10% down payment and cannot exceed 90% financing.
Motorhome/
RV

90% Financing

0-36 Mo. APR

37-48 Mo. APR

49-60 Mo.
APR

61-72 Mo.
APR

4.24% 4.49% 4.74% 4.99%
 

73-84 Mo.
APR

10 Yrs.
APR

15 Yrs.
APR

 
5.24% 5.74% 6.74%  
  Minimum Loan $25,000 Minimum Loan $35,000  

¹APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Payment example: $100,000 Loan at 5.24% APR for 84 months: Monthly Payment: $1,425; Interest over life of loan: $19,686; Total Cost of Loan: $119,686. Approval & rate based on creditworthiness.

Mortgages and Home Equity

Effective as of June 14, 2015

Loan

Rate

*APR

First Mortgage Rates are found here
or click the link to the First Mortgage Site in the Mortgage Center page.

Time Saver Mortgage

7 Year
2.625%
Fixed
2.625%
Fixed
12 Year
2.875%
Fixed
2.875%
Fixed
*APR based on loan amount of $50,000. APR based on no closing costs option. Rates above are based on 80% combined loan-to-value. Financing available up to 80% loan-to-value.

Home Equity Loans (Second Lien)

10 Year
Up to 90% Loan-to-Value
5.25%
Fixed
5.75%
Fixed
10 Year
90.01%–100% Loan-to-Value
5.750%
Fixed
6.25%
Fixed
15 Year
Up to 90% Loan-to-Value
5.75%
Fixed
6.25%
Fixed
15 Year
90.01%–100% Loan-to-Value
6.250%
Fixed
6.50%
Fixed
*APR based on loan amount of $50,000. APR based on no closing costs option. Rates above are based on combined loan-to-value.
Home Equity Line of Credit – up to 90% loan to value *
Limited time offer Promotional Rate / Certain Criteria may apply / Call for details

1.99%
Variable
1.99%
Variable
Home Equity Line of Credit – Loan To Value over 90.01% **

5.99%
Variable
5.99%
Variable
* Up to 90% loan to value: Variable rate feature: Rate changes whenever Prime changes, based on Prime plus zero percent. Promotial rate of 1.99% good for 12 months. Minimum $20,000 draw required. The margin used will depend on your individual creditworthiness. Initial rate based on Prime as of 12/17/15. Maximum rate 18%. Floor rate of 3.50%.

** Loan to Value over 90.01%: Financing is available up to a maximum of 100% of the property value for primary or second residence. Variable rate feature: Rate changes whenever Prime changes, based on Prime plus 2.49%. Initial rate based on Prime as of 12/17/15. Maximum rate 18%. Floor rate of 3.50%. Not all applicants will qualify.
*No closing costs option when you receive an initial advance of at least $10,000. If you close your account or pay more than the minimum payment during the first 12 months, we will add any closing costs we paid on your behalf to your outstanding balance.
Unimproved Property
60% or Lower Financing, 12 Year Term
9.50%* 9.609%*
*APR based on loan amount of $25,000
¹APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Payment example: $35,000 Loan at 4.99% APR for 60 months: Monthly Payment: $660.33, Interest over life of loan: $4,620, Total Cost of Loan: $39,620 (rounded up to nearest dollar). Approval & rate based on creditworthiness.

Personal

Effective as of August 19, 2013

Loan

APR

Personal Loan
$500 minimum, Up to 48 Months
11.65%¹
Fixed
Personal Line of Credit
$21,000 maximum
10.74%¹
Variable
Secured Loan
100% of Savings (Share), Up to 5 Years
3.50%
Fixed
Seasonal (Short Term) Loan
Up to 12 Months, up to $2,500
8.00%¹
Fixed
Seasonal (Short Term) Loan
Up to 24 Months, $2,500-$3,500
8.75%¹
Fixed
¹APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Payment Example: $2,500 loan at 8.00% APR for 12 months. Monthly Payment: $217. Interest Cost: $110. Total Cost of Loan: $2,610. Approval & rate based on creditworthiness.

Short Term

Payment Example: $2,500 loan at 8.00% APR for 12 months. Monthly Payment: $217. Interest Cost: $110. Total Cost of Loan: $2,610. Approval & rate based on creditworthiness.