Lending Rates

From small personal loans to large vehicle loans, our rates are always low and competitive so you can afford to borrow what you need.

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New & Used Cars
Term as low as APR* Min. Amount**
36 months 5.99% $5,001+
48 months 6.49% $7,501+
60 months 6.99% $10,001+
72 months 7.49% $20,001+
84 months 7.99% $30,001+
Effective March 1, 2024

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV.  Shorter terms available with lower minimum finance amount.

New & Used Motorcycles
Term as low as APR* Min Amount**
36 Months 7.49% $5,001+
48 Months 7.69% $7,501+
60 Months 7.89% $10,001+
72 Months 8.09% $20,001+
84 Months 8.99% $30,001+
Effective March 1, 2024

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

New & Used SUVs & Trucks
Term as low as APR* Min Amount**
96 Months 7.49% $50,001+
120 Months 8.49% $70,001+
Effective March 1, 2024

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Minimum required finance amount must exceed amount listed. Shorter terms available with lower minimum finance amount.

Private Party Vehicle Title Sales
Term as low as APR* Min. Amount**
36 Months 6.99% $5,001+
48 Months 7.49% $7,501+
60 Months 7.99% $10,001+
72 Months 8.49% $20,001+
84 Months 9.49% $30,001+
Effective March 1, 2024

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

New & Used RVs & Boats
Term as low as APR* Min Amount**
48 Months 6.99% $5,001+
60 Months 7.49% $10,001+
72 Months 7.99% $20,001+
84 Months 8.99% $30,001+
96 Months 9.99% $40,001+
120 Months 10.99% $50,001+
Effective March 1, 2024

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Recreational vehicles older than 10 model years are financed up to 90% LTV.  Shorter terms with lower minimum finance amount available.

New & Used Powersport, ATV, UTV & Dirt Bikes
Term as low as APR* Min Amount**
48 Months 7.49% $5,001+
60 Months 7.99% $10,001+
72 Months 8.49% $20,001+
84 Months 9.49% $30,001+
Effective March 1, 2024

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

New & Used Farm Equipment & Trailers (Special Secured)
Term as low as APR* Min Amount**
48 Months 6.99% $5,001+
60 Months 7.49% $10,001+
72 Months 7.99% $20,001+
84 Months 8.99% $30,001+
Effective March 1, 2024

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV.  Shorter terms available with lower minimum finance amount.

Mastercard
Account Feature Term
Purchase APR* 9.90%
Balance Transfer APR* 9.90%
Cash Advance APR* 9.90%
Annual Fee None
Late Payment Fee $15
Credit Card Replacement Fee $10
Credit Card Rush Delivery At Cost
Over the Credit Limit Fee $10
Delinquent Account APR* 15.99%
Grace Period 25 Days
Effective August 19, 2022

*APR = Annual Percentage Rate. Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.

Personal Lending
Account as low as APR* Max Term**
Personal Loan 8.99% Based on Balance
Overdraft Line of Credit 8.99% Based on Balance
Line of Credit 8.99% Based on Balance
Effective March 1, 2024

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit. **Maximum term and monthly payment based upon balance owed.

Special Purpose Loans
Loan Purpose AS LOW AS APR* Max Term
Holiday† 8.99% 12 months
Vacation† 8.99% 12 months
Disaster Recovery† 7.99% 12 months
Effective March 1, 2024

*APR = Annual Percentage Rate. †Loan amount based on individual credit. Holiday loans available October 1 – January 31. Vacation loans available May 1 – August 31. Disaster Recovery loan max $3,000.

Secured Loans
Account APR* Max Term
Savings Secured Share Rate + 3.00% 84 months
Certificate Secured Certificate Rate + 3.00% 36 months
Effective December 1, 2021

*APR = Annual Percentage Rate. †Loan amount based on savings or certificate balance.

Home Equity
Account Amount as low as Variable APR* Term
Line of Credit (HELOC) Up to 80% Home Value 8.50% 180 months
Effective July 27, 2023

*APR = Annual Percentage Rate. Rates listed are as low as and based on applicant’s credit history. Variable rate based on Prime Rate.

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