Boat Loan Rates

36 Mo. APR¹37–48 Mo. APR¹49–60 Mo. APR¹61–72 Mo. APR¹73–84 Mo. APR¹10 Yrs. APR¹ Min. Loan $25,000 15 Yrs. APR¹ Min. Loan $50,000
New Boat Up to 100% Financing** 4.49%4.49%5.24%5.24%5.74%5.99%6.99%
Used Boat Up to 100% Financing ** 4.89%4.89%5.64%5.64%6.14%6.39%7.39%
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¹APR = Annual Percentage Rate. APR shown is lowest available. Rates determined by creditworthiness criteria.
**Boats over $50,000 require a 10% down payment and cannot exceed 90% financing.

Recreational Vehicle Loan Rates

0–36 Mo. APR¹37–48 Mo. APR¹49–60 Mo. APR61–72 Mo. APR¹73–84 Mo. APR¹10 Yrs. APR¹15 Yrs. APR¹
New Travel Trailer/Camper Up to 100% Financing 6.10%6.34%6.59%6.84%7.09%7.59% Min. Loan $25,000 8.59% Min. Loan $50,000
Used Travel Trailer/Camper Up to 100% Financing 6.49%6.74%6.99%7.24%7.49%7.99% Min. Loan $25,000 8.99% Min. Loan $50,000
New Motorhome/RV 90% Financing + 10% down 6.10%6.34%6.59%6.84%7.09%7.59% Min. Loan $25,000 8.59% Min. Loan $50,000
Used Motorhome/RV 90% Financing + 10% down 6.49%6.74%6.99%7.24%7.49%7.99% Min. Loan $25,000 8.99% Min. Loan $50,000
Motorcycles 100% Financing 7.04%7.24%7.44%7.74% Min. Loan $20,000
Used Motorcycles 100% Financing 7.69%7.89%8.19%8.39% Min. Loan $20,000
New Jet Skis 100% Financing 8.70%8.94%9.34%
Used Jet Skis 100% Financing 9.35%9.59%9.99%
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¹APR = Annual Percentage Rate. APR shown is lowest available. Rates determined by creditworthiness criteria.

Auto Loan Rates

1 – 24 Months APR¹ 25 – 36 Months APR¹ 37 – 48 Months APR¹ 49 – 60 Months APR¹ 61 – 72 Months $20,000+ MSRP/NADA¹
2019 Models, (New)2.59%3.09%3.49%3.79%4.09%
2014 – 2018 Models (Used)3.19%3.39%3.89%4.09%4.29%
2013 & Earlier Models (Pre-Owned) 8.59%8.59%8.59%N/AN/A
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¹APR = Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Personal Loan Rates

APR¹
Personal Loan $500 minimum, up to 60 months 8.50% Fixed
Personal Line of Credit10.84% Variable
Secured Loan 100% of Savings (Share), up to 5 years 4.15% Fixed
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¹APR= Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Home Equity Loans & HELOC Rates

RateAPR¹
Loan or HELOC for up to 90% of home equity
SPECIAL INTRO RATE
3.99% Variable3.99%¹ Variable
Loan or HELOC for more than 90.01%** of home equity 7.99% Variable 7.99%¹ Variable
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¹APR= Annual Percentage Rate. APR shown is lowest available rate. APR based on loan amount of $50,000. APR based on no closing costs option. Rates above are based on combined loan-to-value.
* Up to 90% loan to value: Variable rate feature: Rate changes whenever Prime changes, based on Prime plus zero percent. Promotional rate of 3.99% good for 6 months. Minimum $20,000 draw required. The margin used will depend on your individual creditworthiness. Initial rate based on Prime as of 12/20/18. Maximum rate 18%. Floor rate of 3.50%.
* No closing costs option when you receive an initial advance of at least $20,000. 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.
** Loan to Value over 90.01%: Financing is available up to a maximum of 100% of the property value for primary residence. Variable rate feature: Rate changes whenever Prime changes, based on Prime plus 2.49%. Initial rate based on Prime (5.25%) as of December 20, 2018. Maximum rate 18%. Floor rate of 3.50%. Not all applicants will qualify.

Credit Card Rates

Interest RateMinimum LimitEarn RewardsConcierge ServiceAnnual FeeForeign Transaction Fee
Visa SignatureLow variable interest rate*$5,000YesYes$0No
Visa Platinum RewardsLow variable interest rate*$500YesNo$0Yes
Visa Platinum SecuredLow variable interest rate*$500NoNo$25Yes
Business Credit CardLow variable interest rate*$5,000YesNo$0Yes
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*This APR will vary with the market based on the Prime Rate; based on your creditworthiness. Read our full fee disclosure here. 
**Cardholders are responsible for the cost of any goods or services purchased by the Visa® Signature Concierge on cardholder’s behalf.

Savings Account Rates

Dividend RateAPY¹
Regular Account $0.00–$99.99 0.00%0.00%
Regular Account $100.00+ 0.25%0.25%
Holidays Savings Account $0.00–$99.99 0.00%0.00%
Holiday Savings Account $100.00+ 0.25%0.25%
Business Savings Account0.25%0.25%
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APY = Annual Percentage Yield.  Requires $10 to establish: $5 minimum deposit and $5 lifetime membership fee.

Checking Account Rates

Dividend RateAPY¹
Basic Checking0.00%0.00%
Right Choice Checking0.00%0.00%
Right Choice Plus Checking $0.00–$2,499.99 0.00%0.00%
Right Choice Plus Checking $2,500+ 0.10%0.10%
Business Checking ($7,5000–$49,999.99)0.05%0.05%
Business Checking ($50,000+)0.10%0.10%
Learn More Open an Account

APY = Annual Percentage Yield. Requires a minimum $25 deposit to open and you must have a “share”/savings account with the credit, which requires $10 to establish. Total cost to establish both checking and savings is $35.

Money Market Account Rates

Dividend RateAPY¹
Money Market $0 - $19,999.99 0.25%0.25%
Money Market $20,000+ 0.30%0.30%
Premier Money Market $0 - 49,999.99 0.00%0.00%
Premier Money Market $50,000+ 0.40%0.40%
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¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.

Certificate of Deposit (CD) Rates

Dividend RateAPY¹
Share Certificate 3 Months 0.200%0.200%
Share Certificate 6 Months 0.300%0.300%
Share Certificate 12 Months 1.005%1.010%
Share Certificate 18 Months 1.243%1.250%
Share Certificate 24 Months 1.490%1.500%
Share Certificate 36 Months 1.638%1.650%
Share Certificate 48 Months 1.735%1.750%
Share Certificate 60 Months 2.235%2.260%
Right Course Certificate 12 Months 0.050%0.050%
Right Course Certificate 24 Months 0.200%0.200%
PROMO Share Certificate 7 months2.00%2.00%
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¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.

IRA Rates

Dividend RateAPY
3 Months0.200%0.200%
6 Months0.300%0.300%
12 Months1.203%1.210%
18 Months1.440%1.450%
24 Months1.687%1.700%
36 Months1.834%1.850%
48 Months1.931%1.950%
60 Months2.430%2.460%
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¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.