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.

Go To Deposit Rates

New & Used Cars
Term as low as APR* Min. Amount**
36 months 4.49% $5,001+
48 months 4.59% $7,501+
60 months 4.69% $10,001+
72 months 5.74% $20,001+
84 months 6.49% $30,001+
Effective July 17, 2023

*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 4.99% $5,001+
48 Months 5.49% $7,501+
60 Months 5.99% $10,001+
72 Months 6.99% $20,001+
84 Months 7.49% $30,001+
Effective July 17, 2023

*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 5.29% $50,001+
108 Months 5.59% $60,001+
120 Months 5.79% $70,001+
Effective July 17, 2023

*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 4.99% $5,001+
48 Months 5.09% $7,501+
60 Months 5.19% $10,001+
72 Months 6.29% $20,001+
84 Months 6.99% $30,001+
Effective July 17, 2023

*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 5.09% $5,001+
60 Months 5.19% $10,001+
72 Months 5.39% $20,001+
84 Months 5.89% $30,001+
96 Months 6.39% $40,001+
120 Months 6.79% $50,001+
Effective July 17, 2023

*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 5.29% $5,001+
60 Months 5.39% $10,001+
72 Months 5.59% $20,001+
84 Months 5.89% $30,001+
Effective July 17, 2023

*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 5.29% $5,001+
60 Months 5.49% $10,001+
72 Months 5.69% $20,001+
84 Months 5.99% $30,001+
Effective July 17, 2023

*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%
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 7.49% Based on Balance
Overdraft Line of Credit 7.99% Based on Balance
Line of Credit 7.99% Based on Balance
Effective July 18, 2023

*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 APR* Max Term
Holiday† 7.49% 12 months
Vacation† 7.49% 12 months
Disaster Recovery† 7.09% 12 months
Effective July 18, 2023

*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.

Download Our Mobile App
Download TouchBanking App from iTunesDownload TouchBanking App from Google Play