Loan Rates
Loan Rates
Adjustable Rate Mortgages (ARMs)
Rates effective as of February 1, 2021| Type of Adjustable Rate Mortgage | As Low As |
|---|---|
| Fixed Rate - First 3 years | 3.25% APR |
| Fixed Rate - First 5 years | 3.50% APR |
| Fixed Rate - First 7 years | 3.75% 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. | |
Auto Loans
Rates effective as of February 1, 2021| Loan Type | Term | As Low As |
|---|---|---|
| New & Used Auto Loans | Up to 36 Months | 1.99% APR |
| Up to 60 Months | 1.99% APR |
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| Up to 72 Months | 2.99% APR |
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| Up to 84 Months* | 3.99% 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 model year and a minimum loan amount of $25,000. |
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| 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 February 5, 2021| Loan Type | Term | As Low As |
|---|---|---|
| Boat Loans | Up to 36 Months | 3.75% APR |
| Up to 60 Months | 4.25% APR |
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| Up to 72 Months | 4.75% APR |
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| 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 and reflects a .25% discount for direct deposit of net pay. Boat age will determine the maximum loan term permitted by our policies. * Term limits may apply depending on year of boat. |
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Citizenship Loans
Rates effective as of February 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 and reflects a .25% discount for direct deposit of net pay. Minimum loan amount $500. Maximum loan amount $30,000. | |
Energy Loans
Rates effective as of February 1, 2021| Term | As 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 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 February 1, 2021| Term | As 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 and reflects a .25% discount for direct deposit of net pay. Minimum loan amount $500. Maximum loan amount $30,000. | |
Home Equity Loans
Rates effective as of February 1, 2021| Fixed Rate Products | As Low As |
|---|---|
| Up to 5 years | 3.25% APR |
| Up to 10 years | 3.50% APR |
| Up to 15 years | 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. Maximum rate is 18%. | |
Home Equity Lines of Credit
Rates effective as of February 1, 2021| Type of Home Equity Line of Credit | As Low As |
|---|---|
| Open-End Variable Rate | 3.25% APR |
| Interest Only | 3.25% APR |
| 3-Year Fixed Rate, Interest Only | 3.25% 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%. | |
Indus Fund Loan
Rates effective as of February 1, 2021| Term | As 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 February 1, 2021| Loan Type | Maximum Line | As Low As |
|---|---|---|
| Overdraft Protection Lines of Credit* | $5,000 | 10.25% APR |
| Credit Builder Lines of Credit** | $1,000 | 9.99% APR |
| Personal Lines of Credit** | $10,000 | 9.99% 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. |
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Other Loans
Rates effective as of February 1, 2021| Loan Type | Term | 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 Years | 9.50% APR |
| Up to 10 Years | 9.75% APR |
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| Up to 15 Years | 9.99% APR |
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| Land Loans (up to 70% of value)** | Up to 5 Years | 5.75% APR |
| Up to 10 Years | 5.99% APR |
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| Up to 15 Years | 6.50% 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. |
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Personal Loans & Debt Consolidation Loans
Rates effective as of February 1, 2021| Term | As 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 and reflects a .25% discount for direct deposit of net pay. Minimum loan amount $500. Maximum loan amount $30,000. | |
Recreational Vehicle, Motorcycle and Other Loans
Rates effective as of February 5, 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 Months* | 5.25% APR |
| Up to 120 Months** | 5.50% 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. * Term limits may apply depending on year of Vehicle. |
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Sustainability Loans
Rates effective as of February 1, 2021| Term | As 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 and reflects a .25% discount for direct deposit of net pay. Loan funds will be paid directly to supplier. | |
Wedding Loans
Rates effective as of February 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 and reflects a .25% discount for direct deposit of net pay. Minimum loan amount $500. Maximum loan amount $30,000. | |