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Loans and Credit Card Rates

Home Loans

View today's rates.
Rates effective September 1 2021.
Term APR Monthly Payment Per $1,000 Rate As Low As
Up to 5 years 4.25% $9.27 4.25%
Up to 10 years 5.25% $5.37* 5.25%
Up to 15 years 7.00% $4.50 7.00%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate will be determined by your credit,
Loan-to-Value and term. Some restrictions may apply. Consult your tax advisor to determine whether the interest is tax deductible. All rates are subject to change without prior notice.
* Monthly payment example: A loan of $50,000 financed for 10 years would be $0.537 x 1,000 = $537 per month; your loan will have a total cost of $64,440 ($537 x 120).

Rates effective September 1, 2021.
We have an introductory rate special of 2.99% APR* for the first 12 months.

Loan to Value Ratio APR Rate As Low As
< or =75% 3.50%* Prime -0.50%
75.01% – 80% 3.50%* Prime +0.00%
80.01% – 85.00% 3.75%* Prime +0.50%
85.01% – 90.00% 4.25%* Prime +1.00%
*APR = Annual Percentage Rate. All rates are subject to change without prior notice. Rates and terms are based upon evaluation of applicant(s) credit. Your actual rate and margin may vary. The Annual Percentage Rate (APR) for these variable rate products is based upon the Wall Street Journal Prime Interest Rate rounded to the nearest 1/4% (Index), plus the applicable margin. WSJ Prime Rate as of 04/01/2020 = 3.25%. The maximum rate is 12.00% or the maximum permitted by law, whichever is less. The rate will never go below 3.50% APR (Floor) at any time during the term of the plan, except during a discount period. The interest rate can change quarterly, up or down, by a maximum of 1.00%. Homeowner's insurance is required. Consult your tax advisor to determine whether the interest is tax deductible. Some restrictions may also apply.

Auto Loans

Rates effective September 1, 2021.
Vehicle Type Minimum Balance Term APR Monthly Payment Per $1,000 Rates As Low As
New Auto
2021
n/a 36 months 1.99% $28.64* 1.99%
n/a 48 months 1.99% $21.70 1.99%
n/a 60 months 2.24% $17.64 2.24%
$15,000 72 months 2.49% $14.97 2.49%
$30,000 84 months 3.74% $13.56 3.74%
Used Auto
2010-2020
n/a 36 months 2.24% $28.75 2.24%
n/a 48 months 2.24% $21.81 2.24%
n/a 60 months 2.49% $17.15 2.49%
$15,000 72 months 2.74% $15.08 2.74%
$30,000 84 months 3.99% $13.68 3.99%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit and vehicle mileage. All rates are subject to change without prior notice. Rates shown above are our Premium Loan Rates.
* Monthly payment example: A $15,000 loan financed for 36 months at 1.99% APR would be $28.64 x 15 = $429.60 per month; your loan will have a total cost of $15,465.60 ($429.60 x 36). The sample payment does not include the Summer Skip Payment Option or payment protection.
Rates effective September 1, 2021.
Vehicle Type Term APR Monthly Payment Per $1,000 Rates As Low As
New Motorcycle
2021
36 months 2.99% $29.08* 2.99%
48 months 2.99% $22.14 2.99%
Used Motorcycle
2014-2020
24 months 4.24% $43.54 4.24%
New Boat/RV/Motor Home
2021
60
months
3.24% $18.08 3.24%
120
months
3.99% $10.13 3.99%
Used Boat/RV/Motor Home
2017-2020
60
months
3.49% $18.19 3.49%
96
months
3.99% $12.19 3.99%
Older Used Boat/RV/Motor Home 72
months
5.49% $16.34 5.49%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit and your vehicle mileage. All rates are subject to change without prior notice. Rates shown above are our Premium Loan Rates.
* Monthly payment example: A loan of $10,000 financed for 36 months would be $29.08 x 10 = $290.80 per month; your loan will have a total cost of $10,468.80 ($290.80 x 36). The sample payment does not include the Summer Skip Payment Option or payment protection.

Personal Loans

Rates effective September 1, 2021.
Loan Type Term APR
Share Secured Loan 120 months Share Rate +3.00%
Certificate Secured Loan Remaining Certificate Term Certificate Rate +3.00%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice.
Rates effective September 1, 2021.
Loan Type Term APR Monthly Payment Per $1,000 Rate As Low As
Personal Loan 36 months 10.49% $32.49 10.49%
48 months 10.99% $25.84 10.99%
60 months 11.49% $21.991 11.49%
Line of Credit Varies 12.90% $30.002 12.90%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice.
1 Monthly payment example: A loan of $10,000 financed for 60 months will be $21.99 x 10 = $219.90 per month; your loan will have a total cost of $13,194 ($219.90 x 60). The sample payments do not include summer skips or payment protection.
2 Monthly payment example: The loan payment for a Line of Credit advance is calculated at $30 per $1,000 dollars advanced. A Line of Credit advance in the amount of $10,000 will be 10 x $30 = $300 per month. If no additional advances were added, the loan will have an approximate term of 42 months with an approximate total cost of $12,475.70. The sample payments do not include summer skips or payment protection.

Visa® Credit Cards

Rates effective September 1, 2021.
Visa® Term APR Rate As Low As
Visa® Rewards Variable monthly 3.25% 3.25%
Visa® Gold Fixed 12.90% 12.90%
Visa® Credit Card Variable monthly 9.25% 9.25%
APR=Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. For complete details, view the Credit Card Application and Solicitation Disclosure.
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