All rates effective Saturday, December 21, 2024 unless otherwise noted and are subject to change without notice.
*Auto Loans, Harley Davidson Motorcycle Loans
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| 2024 & 2023 | 84 | $35,000.00 | 8.50% | 8.56% | $555.43 | Apply Now |
| 2024 & 2023 | 72 | $10,000.00 | 8.00% | 8.26% | $176.64 | Apply Now |
| 2022 & 2021 | 72 | $10,000.00 | 9.00% | 9.26% | $181.60 | Apply Now |
| 2022 & 2021 | 60 | $10,000.00 | 8.75% | 9.06% | $207.91 | Apply Now |
| 2020 & 2019 | 60 | $10,000.00 | 9.25% | 9.56% | $210.36 | Apply Now |
| 2018 & 2017 | 48 | $10,000.00 | 9.75% | 10.16% | $254.39 | Apply Now |
| 2016 & Older | 36 | $7,500.00 | 10.50% | 11.21% | $246.28 | Apply Now |
- Monthly payment is based on example amount and maximum term
- VSI Premium of $40
- APR includes $75 processing fee
****Minimum Loan Amount $35,000 with 80% Max LTV for 84 month term
*Boats Loans, Campers, Motor Homes and Travel Trailers
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| New & Used | 120 | $20,000.00 | 9.75% | 9.83% | $262.51 | Apply Now |
- Monthly payment is based on example amount and maximum term
- VSI Premium $40
- APR includes $75 processing fee
*Motorcycles, Jet Skis, Snowmobiles & ATVs
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Motorcycles, Jet Skis, Snowmobiles, ATVs – New & Used | 48 | $7,500.00 | 9.75% | 10.27% | $191.20 | Apply Now |
- Monthly payment is based on example amount and maximum term
- VSI Premium $40
- APR includes $75 processing fee
*Home Improvement Loan
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Home Improvement | 84 | $15,000.00 | 9.50% | 9.65% | $246.37 | Apply Now |
Monthly payment is based on example amount and maximum term
APR includes $75 processing fee
*Personal Unsecured
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Personal Unsecured | 60 | $5,000.00 | 11.50% | 12.17% | $111.66 | Apply Now |
- Monthly payment is based on example amount and maximum term
- APR includes $75 processing fee
*Time Notes
| Name | Maximum Term | Example Loan Amount | Rate | Annual Percentage Rate (APR) | |
|---|---|---|---|---|---|
| Time Loans | 90 Days | $5,000.00 | 11.50% | 17.68% | Apply Now |
- APR includes $75 processing fee
- Payment due at maturity based on $5,000 example for 90 days at 11.50% would be $5,220.51
*Quoted rates are based on credit scores of 700 or above and are subject to change without notice. Other underwriting considerations may apply.
Collateral Loans
| Name | Maximum Term | Maximum LTV | Rate | |
|---|---|---|---|---|
| Certificate of Deposit & Passbook Savings | 60 months | 95% | Deposit Rate + 3.5% or 4.5%, whichever is greater | Apply Now |
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Stock | 60 | $10,000.00 | 9.00% | 9.33% | $209.20 | Apply Now |
- Max LTV 70%
- APR includes $75 processing fee.
- Monthly Payment Based on $10,000 for 60 months
Solar Program
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Solar Program $5,000.00 – $25,000.00 | 120 | $25,000.00 | 8.74% | 8.81% | $313.19 | |
| Solar Program $25,001.00-$40,000.00 | 180 | $40,000.00 | 9.24% | 9.27% | $411.44 |
- Monthly payment is based on example amount and maximum term
- APR includes $75 processing fee
Energy Loans
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Energy Loans | 84 | $15000.00 | 2.00% | 2.00% | $191.52 | |
| Energy Loans | 84 | $15000.00 | 0% | 0% | $178.58 |
- Loan amount and terms are determined by Utility Company and stated on the Residential Energy Efficiency Loan Authorization Form.
Check Reserve
| Name | Maximum Term | Rate | |
|---|---|---|---|
| Check Reserve | Revolving | 15% | Apply Now |
Boat Slips
- Rate is 9.00%, Annual Percentage Rate (**APR) equals 9.305%
- $500.00 Document Preparation Fee
- Maximum LTV 80% of purchase price or appraisal, whichever is less
- 20% down payment required
- Based on a $50,000, 30 year loan at 9.00% interest rate, the monthly payment would be $413.33
- **APR includes a $500.00 Document Preparation Fee, $625.00 Attorney Fee, $90.00 Tax Service Fee and $155 Appraisal Management Fee
