Loan Rates

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Loan Rates

New Auto Loans
Effective Date: Monday, March 17th, 2025
2021 or Newer
Terms* in MonthsMinimum Loan AmountAPR**
730+ A+
Up to 60 $3,000 5.99%
61 - 72 $3,000 6.24%
Loan value for New Auto based on MSRP
Loan value for Used Autos based on NADA Clean Retail Value

Used Auto Loans
Effective Date: Monday, March 17th, 2025
2015-2020
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
Up to 60 $3,000 7.99%
61 - 72 $3,000 8.49%

New Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc.
Effective Date: Monday, March 17th, 2025
2020 or Newer
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
Up to 60 $3,000 6.24%
61 - 120 $10,000 6.74%
121 -180 $20,000 7.24%
181-240 $50,000 7.74%

Used Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc.
Effective Date: Monday, March 17th, 2025
2014-2019
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
Up to 60 $3,000 6.49%
61-120 $10,000 6.99%
121-180 $20,000 7.49%
181-240 $50,000 7.99%

Personal Loans (Signature)
Effective Date: Monday, March 17th, 2025
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
12-48 $500-$4,999 9.99%
12-60 $5,000+ 10.99%
61-72 $5,000+ 11.49%
73-84 $5,000+ 12.49%

 

Overdraft Line of Credit
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
N/A $250 15.00%

Revolving Line of Credit
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
N/A $250 15.00%

Opportunity Loan
Effective Date: April 3, 2023
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
6 $500 N/A
12 $1,000 N/A

Advantage Pay Recovery
Effective Date: April 3, 2023
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
up to 12 months $1,100 12.00%

Share Secured Loan
Effective Date: Monday, March 17th, 2025
No Discounts
Terms in MonthsMinimum Loan AmountAPR** 720+ A+
up to 84 any amount prime

Certificate Secured Loan
Effective Date: May 20, 2024
Terms in MonthsMinimum Loan AmountAPR** 720+ A+
up to 144 N/A Rate issued at 2% over rate of pledged certificate

Visa®
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
N/A $250 9.99%

Secured Visa Card
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
N/A $250 9.99%

Home Equity Line of Credit
Effective Date: Monday, March 17th, 2025
Terms* in MonthsMinimum Loan AmountAPR** 720+ A+
up to 240 N/A 7.50%
Rate based on the Prime Rate

Ten year draw; ten year payoff

Variable rate can change annually at 2% over prime

Rate Discounts
ServiceRate
Payroll Deduction/Auto transfer 0.25%
Maximum rate discount of .25% is allowed
Discounts cannot exceed floor rate.

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