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 |
1.99% |
$5,000+ |
48 months |
1.99% |
$7,500+ |
60 months |
1.99% |
$10,000+ |
72 months |
2.99% |
$20,000+ |
84 months |
3.99% |
$30,000+ |
Effective Apr 1, 2022
*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** |
60 months |
1.99% |
$10,000+ |
72 Months |
2.99% |
$20,000+ |
84 months |
3.99% |
$30,000+ |
96 months |
4.99% |
$50,000+ |
108 months |
5.99% |
$60,000+ |
120 months |
6.99% |
$70,000+ |
Effective Apr 1, 2022
*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. Minimum required finance amount must exceed amount listed. 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 |
60 months |
2.99% |
$10,000+ |
72 months |
3.99% |
$30,000+ |
120 months |
4.99% |
$50,000+ |
180 months |
5.99% |
$70,000+ |
Effective Apr 1, 2022
*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. Shorter terms with lower minimum finance amount available.
Term |
as low as APR* |
Min. Amount |
60 months |
3.99% |
$10,000+ |
72 months |
4.99% |
$30,000+ |
120 months |
5.99% |
$50,000+ |
180 months |
6.99% |
$70,000+ |
Effective Apr 1, 2022
*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** |
36 months |
2.99% |
None |
48 months |
2.99% |
$5,000+ |
60 months |
2.99% |
$10,000+ |
72 months |
3.99% |
$20,000+ |
120 months |
4.99% |
$30,000+ |
Effective Apr 1, 2022
*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. Shorter terms with lower minimum finance amount available.
Term |
as low as APR* |
Min. Amount** |
36 months |
3.99% |
None |
48 months |
3.99% |
$5,000+ |
60 months |
3.99% |
$10,000+ |
72 months |
4.99% |
$20,000+ |
120 months |
5.99% |
$30,000+ |
Effective Apr 1, 2022
*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** |
36 months |
4.99% |
None |
48 months |
4.99% |
$5,000+ |
60 months |
4.99% |
$10,000+ |
72 months |
4.99% |
$15,000+ |
84 months |
5.99% |
$20,000+ |
120 months |
6.99% |
$30,000+ |
Effective Apr 1, 2022
*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. Shorter terms with lower minimum finance amount available.
Term |
as low as APR* |
Min. Amount** |
72 months |
1.99% |
$20,000+ |
84 months |
2.99% |
$30,000+ |
Effective Dec 1, 2021
*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. Minimum required finance amount must exceed amount listed. Vehicles older than 10 model years are financed up to 90% LTV.
Term |
as low as APR* |
Min. Amount** |
60 months |
1.99% |
$7,500+ |
72 months |
3.99% |
$10,000+ |
84 months |
4.99% |
$20,000+ |
120 months |
5.99% |
$30,000+ |
Effective Dec 1, 2021
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle, terms of loan. **Finance amount based on individual credit. Shorter terms for lower minimum finance amount available.
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* |
15.00% |
Grace Period |
25 Days |
Effective Dec 1, 2021
*APR = Annual Percentage Rate. Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.
Personal Loans & Lines of Credit |
as low as APR* |
Max Term |
Personal Loan |
9.99% |
84 months |
Overdraft Line of Credit |
9.99% |
Revolving** |
Line of Credit |
9.99% |
Revolving** |
Effective Apr 1, 2022*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 |
APR* |
Max Term |
Holiday† |
15.00% |
12 months |
Vacation† |
15.00% |
12 months |
Disaster Recovery† |
5.99% |
12 months |
Effective Dec 1, 2021
*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 |
APR* |
Max Term |
Savings Secured |
Share Rate + 3.00% |
84 months |
Certificate Secured |
Certificate Rate + 3.00% |
36 months |
Effective Dec 1, 2021
*APR = Annual Percentage Rate. †Loan amount based on savings or certificate balance.
Home Equity Line of Credit |
as low as Variable APR* |
Term |
Up to 80% Home Value |
5.50% |
180 months |
Effective Aug 3, 2022
*APR = Annual Percentage Rate. Rates listed are as low as and based on applicant’s credit history. Variable rate based on Prime Rate.