Auto & Recreational Vehicle Loans

Rates effective as of April 1, 2017
Loan TypeTerm As Low As
New & Used Auto Loans
Up to 36 Months 1.99% APR
Up to 60 Months 2.99% APR
Up to 72 Months 3.99% APR
Up to 84 Months*4.99% APR
Recreational Vehicle Loans
(Motorcycles, RVs, ATVs, Boats, Jet Skis, Snowmobiles)
Up to 36 Months 2.99% APR
Up to 60 Months 3.99% APR
Up to 72 Months 4.99% APR
Up to 84 Months*5.99% APR
Up to 120 Months**6.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay. Vehicle age will determine the maximum loan term permitted by our policies.
* Financing terms greater than 72 months available for current and previous two model years and a minimum loan amount of $25,000.
** Financing terms greater than 84 months available for Boat and RV loans only with a minimum loan amount of $25,000.

Energy Loans

Rates effective as of April 1, 2017
TermAs Low As
Up to 12 Months 2.99% APR
Up to 24 Months 3.49% APR
Up to 36 Months 5.99% APR
Up to 48 Months 6.49% APR
Up to 60 Months 6.99% APR
*APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay. Loan funds will be paid directly to supplier.

Family Loans

Rates effective as of April 1, 2017
TermAs Low As
Up to 12 Months 5.99% APR
Up to 24 Months 6.49% APR
Up to 36 Months 8.99% APR
Up to 48 Months 9.49% APR
Up to 60 Months 9.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay. Minimum loan amount $500. Maximum loan amount $20,000.

Home Loans

Rates effective as of April 1, 2017
Type of Home LoanAs Low As
APR
Variable* (Fixed Rate - First 3 Years) 3.99%
4.00% APR
Variable* (Fixed Rate - First 5 Years) 4.25% 4.26% APR
Variable* (Fixed Rate - First 7 Years) 4.75% 4.76% APR
Fixed** - Up to 5 Years
4.25% 4.28% APR
Fixed** - Up to 10 Years 4.50% 4.52% APR
Fixed** - Up to 15 Years 4.99% 5.00% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay.
* Adjusted quarterly after initial fixed rate period based on the Prime Rate +/- a margin. Maximum rate is 18%.
** Rates are fixed for the life of the loan and based on first mortgage position.
For real estate loans, the APR may vary based on the loan amount. The rates listed above are based on a loan amount of $100,000.

Home Equity Lines of Credit

Rates Effective as of April 1, 2017
Type of Home Equity Line of Credit As Low As
APR
Open-End Variable Rate 3.75%
3.75% APR
Interest Only 3.75%
3.75% APR
APR = Annual Percentage Rate. Rate adjusted quarterly based on Prime Rate +/- a margin and based on first mortgage lien position. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay. Maximum rate is 18%.

Personal Loans & Debt Consolidation Loans

Rates effective as of April 1, 2017
TermAs Low As
Up to 12 Months 5.99% APR
Up to 24 Months 6.49% APR
Up to 36 Months 8.99% APR
Up to 48 Months 9.49% APR
Up to 60 Months 9.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay. Minimum loan amount $500. Maximum loan amount $20,000.

Citizenship Loans

Rates effective as of April 1, 2017
TermAs Low As
Up to 12 Months 4.99% APR
Up to 24 Months 5.49% APR
Up to 36 Months 7.99% APR
Up to 48 Months 8.49% APR
Up to 60 Months 8.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay. Minimum loan amount $500.

Wedding Loans

Rates effective as of April 1, 2017
Term As Low As
Up to 12 Months 4.99% APR
Up to 24 Months 5.49% APR
Up to 36 Months 7.99% APR
Up to 48 Months 8.49% APR
Up to 60 Months 8.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay. Minimum loan amount $500. Maximum loan amount $20,000.

Other Loans

Rates effective as of April 1, 2017
Loan TypeTerm As Low As
Overdraft Protection Lines of Credit *11.00% APR
Savings or Certificate Secured Loan Up to 60 Months at Certificate Rate Plus 3% call for rates
Mobile Home Loans (on owned land)**Up to 5 Years9.49% APR
Up to 10 Years9.74% APR
Up to 15 Years9.99% APR
Land Loans (up to 70% of value)**Up to 5 Years4.99% APR
Up to 10 Years5.49% APR
Up to 15 Years5.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria and reflects a .25% discount for direct deposit of net pay.
* Line available for qualified borrowers up to $5,000. Rate is variable and based on Prime +7%. Maximum Rate 18%.
** Rates are fixed for the life of the loan.