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Routing#: 211288239 | Toll-free: 800-464-0253

Loan Rates

Consumer Loans

Auto Loans

Rates effective as of October 1, 2021
Loan TypeTerm As Low As
New & Used Auto Loans
Up to 36 Months 1.99% APR
Up to 60 Months 1.99% APR
Up to 72 Months 2.99% APR
Up to 84 Months3.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.
60 monthly payments of $17.53 per $1,000.00 borrowed based on a low rate of 1.99%

 

Boat Loans

Rates effective as of October 1, 2021
Loan TypeTerm As Low As
Boat Loans
Up to 36 Months 3.75% APR
Up to 60 Months 4.25% APR
Up to 72 Months 4.75% APR
Up to 84 Months*5.25% APR
Up to 120 Months*5.50% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Boat age will determine the maximum loan term permitted by our policies.
* Term limits may apply depending on year of boat.

 

Citizenship Loans

Rates effective as of October 1, 2021
TermAs Low As
Up to 12 Months 3.99% APR
Up to 24 Months 4.50% APR
Up to 36 Months 5.99% APR
Up to 48 Months 6.50% APR
Up to 60 Months 6.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.

 

Energy Loans

Rates effective as of October 1, 2021
TermAs Low As
Up to 12 Months 2.99% APR
Up to 24 Months 4.50% APR
Up to 36 Months 5.99% APR
Up to 48 Months 6.50% APR
Up to 60 Months 6.99% APR
*APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.

 

Family Loans

Rates effective as of October 1, 2021
TermAs Low As
Up to 12 Months 4.99% APR
Up to 24 Months 5.50% APR
Up to 36 Months 6.99% APR
Up to 48 Months 7.50% APR
Up to 60 Months 7.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.

 

Indus Fund Loan

Rates effective as of October 1, 2021
TermAs Low As
Up to 5 Year Fixed Rate 3.50% APR
*APR = Annual Percentage Rate. Loan amount can be between $500 - $10,000.

 

Lines of Credit

Rates effective as of October 1, 2021
Loan TypeMaximum LineAs Low As
Overdraft Protection Lines of Credit*$5,00010.25% APR
Credit Builder Lines of Credit**$1,0009.99% APR
Personal Lines of Credit**$10,0009.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria.
* 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.

 

Other Loans

Rates effective as of October 1, 2021
Loan TypeTerm As Low As
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 Years9.50% APR
Up to 10 Years9.75% APR
Up to 15 Years9.99% APR
Land Loans**Up to 5 Years5.25% APR
Up to 10 Years5.50% APR
Up to 15 Years5.75% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria.
* 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.

 

Personal Loans & Debt Consolidation Loans

Rates effective as of October 1, 2021
TermAs Low As
Up to 12 Months 4.99% APR
Up to 24 Months 5.50% APR
Up to 36 Months 6.99% APR
Up to 48 Months 7.50% APR
Up to 60 Months 7.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.

 

Recreational Vehicle, Motorcycle and Other Loans

Rates effective as of October 1, 2021
Term As Low As
Up to 36 Months 3.75% APR
Up to 60 Months 4.25% APR
Up to 72 Months 4.75% APR
Up to 84 Months5.25% APR
Up to 120 Months5.50% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies.

 

Sustainability Loans

Rates effective as of October 1, 2021
TermAs Low As
Up to 12 Months 2.99% APR
Up to 24 Months 4.50% APR
Up to 36 Months 6.99% APR
Up to 48 Months 7.50% APR
Up to 60 Months 7.99% APR
*APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Loan funds will be paid directly to supplier.

 

Wedding Loans

Rates effective as of October 1, 2021
Term As Low As
Up to 12 Months 3.99% APR
Up to 24 Months 4.50% APR
Up to 36 Months 5.99% APR
Up to 48 Months 6.50% APR
Up to 60 Months 6.99% APR
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.

 


Home Loans

Adjustable Rate Mortgages (ARMs)

Rates effective as of October 1, 2021
Type of Adjustable Rate MortgageAs Low As
Fixed Rate - First 3 years3.25% APR
Fixed Rate - First 5 years3.50% APR
Fixed Rate - First 7 years3.75% APR
APR = Annual Percentage Rate. Rates are adjusted quarterly after initial fixed rate period based on the Prime Rate +/- a margin. Stated rates reflect first mortgage lien position. Maximum rate is 18%. Maximum term is 30 years. Second position ARMs also available with maximum term of 15 years. Add .25% APR for second position.

 

Home Equity Loans

Rates effective as of October 1, 2021
Fixed Rate ProductsAs Low As
Up to 5 years3.25% APR
Up to 10 years3.50% APR
Up to 15 years3.75% 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. Maximum rate is 18%.

 

Home Equity Lines of Credit

Rates effective as of October 1, 2021
Type of Home Equity Line of Credit As Low As
Open-End Variable Rate 3.00% APR
Interest Only 3.00% APR
3-Year Fixed Rate, Interest Only3.25% 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. Maximum rate is 18%.