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.
| Term | as low as APR* | Min. Amount** |
|---|---|---|
| 36 months | 5.49% | $5,001+ |
| 48 months | 5.79% | $7,501+ |
| 60 months | 5.99% | $10,001+ |
| 72 months | 6.39% | $20,001+ |
| 84 months | 7.39% | $30,001+ |
*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.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| 36 Months | 6.49% | $5,001+ |
| 48 Months | 6.89% | $7,501+ |
| 60 Months | 7.49% | $10,001+ |
| 72 Months | 8.39% | $20,001+ |
| 84 Months | 8.99% | $30,001+ |
*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.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| 96 Months | 6.99% | $50,001+ |
| 120 Months | 7.99% | $70,001+ |
*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.
| 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 | 8.49% | $30,001+ |
*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.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| 48 Months | 5.99% | $5,001+ |
| 60 Months | 6.49% | $10,001+ |
| 72 Months | 6.99% | $20,001+ |
| 84 Months | 7.49% | $30,001+ |
| 96 Months | 8.49% | $40,001+ |
| 120 Months | 9.49% | $50,001+ |
*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.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| 48 Months | 6.49% | $5,001+ |
| 60 Months | 6.99% | $10,001+ |
| 72 Months | 7.49% | $20,001+ |
| 84 Months | 8.49% | $30,001+ |
*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.
| Term | as low as APR* | Min Amount** |
|---|---|---|
| 48 Months | 5.99% | $5,001+ |
| 60 Months | 6.49% | $10,001+ |
| 72 Months | 6.99% | $20,001+ |
| 84 Months | 7.99% | $30,001+ |
*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.
| 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 |
*APR = Annual Percentage Rate. Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.
| Account | as low as APR* | Max Term** |
|---|---|---|
| Personal Loan | 7.49% | Based on Balance |
| Overdraft Line of Credit | 7.99% | Based on Balance |
| Line of Credit | 7.99% | Based on Balance |
*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.
| Loan Purpose | AS LOW AS APR* | Max Term |
|---|---|---|
| Holiday† | 7.49% | 12 months |
| Vacation† | 7.49% | 12 months |
| Disaster Recovery† | 6.99% | 12 months |
*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.
| Account | APR* | Max Term |
|---|---|---|
| Savings Secured | Share Rate + 3.00% | 84 months |
| Certificate Secured | Certificate Rate + 3.00% | 36 months |
*APR = Annual Percentage Rate. †Loan amount based on savings or certificate balance.
| Account | Amount | as low as Variable APR* | Term |
|---|---|---|---|
| Line of Credit (HELOC) | Up to 80% Home Value | 8.50% | 180 months |
*APR = Annual Percentage Rate. Rates listed are as low as and based on applicant’s credit history. Variable rate based on Prime Rate.
