Automobile Loans
Rates shown are for 2017 and newer vehicles, subject to maximum terms for vehicle year.
100% Financing available for qualified applicants.
Refinances from other institutions welcomed.
*84 month term available for 2023 and newer vehicles only, minimum loan amount of $20,000.
| Vehicle Year | Maximum Term | Annual Percentage Rate | Payments Per $1000 Per Month of Repayment |
|---|---|---|---|
| 2023-2025 | 84 Months* | As low as 6.49% | $14.85 |
| 2020-2023 | 72 Months | As low as 5.99% | $16.58 |
| 2017-2019 | 60 Months | As low as 6.49% | $19.57 |
| 2012-2016 | 48 Months | As low as 7.49% | $24.18 |
| 2011 & older | 36 Months | As low as 9.99% | $32.27 |
| Apply for an Auto Loan | |||
Motorcycle, Snowmobile, ATV, & Personal Watercraft Maximum Terms
Refinances from other institutions welcomed.
100% Financing available for qualified applicants.
Annual Percentage Rate based on a credit score of 680 or higher.
Unit must be model year 2010 or newer.
84 Month term available to 2023 & newer motorcycles only. $25,000 minimum loan.
| Loan Amount | Maximum Term | Annual Percentage Rate | Payment Per Thousand |
|---|---|---|---|
| $3,000 to $3,999 | 36 Months | As low as 5.74% | $30.30 |
| $4,000 to $7,499 | 48 Months | As low as 5.99% | $23.48 |
| $7,500 to $12,499 | 60 Months | As low as 6.24% | $19.44 |
| $12,500 & up | 72 Months | As low as 6.74% | $16.92 |
| $25,000 & up | 84 Months | As low as 7.24% | $15.21 |
Recreational Vehicle and Boat Loan Maximum Terms
Refinances from other institutions welcomed.
Annual Percentage Rate based on a credit score of 680 or higher.
20% down required on terms exceeding 96 months.
Boat or RV must be a 2010 or newer model.
| Loan Amount | Maximum Term | Annual Percentage Rate | Payment Per Thousand |
|---|---|---|---|
| $3,000 to $4,999 | 36 Months | As low as 5.74% | $30.30 |
| $5,000 to $7,499 | 48 Months | As low as 5.99% | $23.48 |
| $7,500 to $9,999 | 60 Months | As low as 6.24% | $19.44 |
| $10,000 to $12,499 | 72 Months | As low as 6.74% | $16.92 |
| $12,500 to $14,999 | 96 Months | As low as 7.24% | $15.21 |
| $15,000 to $19,999 | 120 Months | As low as 8.74% | $12.53 |
| $20,000 to $29,999 | 144 Months | As low as 9.24% | $11.52 |
| $30,000 & up | 180 Months | As low as 10.24% | $10.89 |
Tractor & Equipment Loan Rates and Terms
Refinances from other institutions welcomed.
Annual Percentage Rate based on a credit score of 680 or higher.
Rates shown for new models. Add .50% to rate for used. Must be 2010 or newer.
For private sale purchases of used equipment, previous owner(s) information is required.
Utility Trailers included in this category.
| Loan Amount | Maximum Term | Annual Percentage Rate | Payment Per Thousand |
|---|---|---|---|
| $3,000 to $5,999 | 36 Months | As low as 7.24% | $30.99 |
| $6,000 to $9,999 | 48 Months | As low as 7.49% | $24.17 |
| $10,000 to $12,499 | 60 Months | As low as 7.74% | $20.15 |
| $12,500 to $14,999 | 72 Months | As low as 8.24% | $17.65 |
| $15,000 & up | 84 Months | As low as 8.74% | $15.96 |
Unsecured Loans
Unsecured loans are personal loans that are not secured with collateral.
Rates shown for new loans only,
| Term | Annual Percentage Rate | Payments Per $1000 Per Month of Repayment |
|---|---|---|
| 12 Months | As low as 8.99% | $87.45 |
| 24 Months | As low as 9.99% | $46.14 |
| 36 Months | As low as 10.99% | $32.73 |
| 48 Months | As low as 11.99% | $26.33 |
| 60 Months | As low as 12.99% | $22.75 |
| 72 Months | As low as 13.99% | $20.60 |
| 84 Months | As low as 14.99% | $19.29 |
| Apply for an Unsecured Loan | ||
Personal Line of Credit
A revolving line of credit that allows eligible borrowers to access funds for personal use.
| Term | Rate | APR* | Monthly Payment |
|---|---|---|---|
| Revolving | Prime + 4% | 11.50% | 2.5% of the outstanding balance, or $50.00, whichever is greater. |
| *Annual Percentage Rate as of 12/19/24. 1.) No minimum initial advance required. 2.) There is no minimum Annual Percentage Rate (APR) that may be imposed. The maximum APR that may be imposed is 18%. 3.) The Annual Percentage Rate will vary and will be based on the Prime Rate as published in the Wall Street Journal (the “Index”) and will be the rate in effect on the 15th day of the previous month plus four percentage points (4%) (the “Margin”) rounded to the nearest .25%. Interest will be charged from the transaction date. |
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Overdraft Protection Loan
With an overdraft protection loan, you've got added protection in case of an error in your share draft account. If you've got insufficient funds in your account to cover an item, we will advance you a loan** (in increments of $100.00) so your item will clear.
| Term | Rate | APR* | Payment |
|---|---|---|---|
| Revolving | 12.90% | 12.90% | 6% of outstanding balance or $35.00, whichever is greater. |
| *Annual Percentage Rate as of 10/31/15 **Subject to available credit. No minimum initial advance required. 12.90% Fixed APR (Annual Percentage Rate). There is no minimum Annual Percentage Rate that may be imposed. |
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Home Equity Line of Credit
Use the equity in your home to help send your kids to college, do home repairs, consolidate debt, or even take that vacation you've always dreamed about.
Borrow up to 80% of the appraised value of your home, less any loans on the property.
| Term | Index | Annual Percentage Rate* | Payment |
|---|---|---|---|
| Revolving | 7.50% | As low as 7.50%** | The greater of $50.00 or 1% of the outstanding balance as of last advance. |
| *Annual percentage rate as of 12/19/2024 **For eligible borrowers with qualified collateral. The rate may vary depending on borrower's credit score. 1. There is no minimum initial advance required. 2. Minimum Annual Percentage Rate (APR) of 3.50%. The maximum APR that may be imposed is 16%. 3. The APR may increase or decrease on the first of each month. The interest rate will equal to the lowest prime rate as published in the Wall Street Journal (the “Index”) plus a "Margin" as low as zero percentage points (0%). The interest rate will change whenever the Index changes. Changes in the interest rate will be calculated by taking the Index figure available on the 15th day of the preceding calendar month and adding to it the Margin stated above. This figure rounded to the nearest .25% will be the new interest rate effective until the next Change Date. |
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Share Secured Loans
Annual Percentage Rate will be as low as 3.00% over existing dividend rate for share and share certificate to be pledged.
| Term | Annual Percentage Rate | Payments Per $1000 Per Month of Repayment |
|---|---|---|
| 12 Months | As low as 3.10% | $84.74 |
| 24 Months | As low as 3.10% | $43.03 |
| 36 Months | As low as 3.10% | $29.13 |
| 48 Months | As low as 3.10% | $22.18 |
| 60 Months | As low as 3.10% | $18.02 |
| 84 Months | As low as 4.10% | $13.72 |
| 120 Months | As low as 5.10% | $10.66 |
| Apply for a Share Secured Loan | ||
