All rates effective Friday, February 21, 2025 unless otherwise noted and are subject to change without notice.
*Auto Loans
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| 2025 & 2024 | 84 | $35,000.00 | 8.25% | 8.305% | $550.85 | |
| 2025 & 2024 | 72 | $10,000.00 | 7.75% | 8.004% | $175.36 | |
| 2023 & 2022 | 72 | $10,000.00 | 8.50% | 8.755% | $179.05 | |
| 2023 & 2022 | 60 | $10,000.00 | 8.25% | 8.551% | $205.41 | |
| 2021 & 2020 | 60 | $10,000.00 | 8.75% | 9.051% | $207.84 | |
| 2019 & 2018 | 48 | $10,000.00 | 9.50% | 9.869% | $253.00 | |
| 2017 & Older | 36 | $7,500.00 | 10.50% | 11.152% | $246.08 |
- 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 | 9.25% | 9.327% | $256.91 |
- Monthly payment is based on example amount and maximum term
- VSI Premium $40
- APR includes $75 processing fee
*Motorcycles, SeaDoos, Snowmobiles & ATVs
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Motorcycles, SeaDoos, Snowmobiles, ATVs – New & Used | 48 | $7,500.00 | 9.25% | 9.750% | $189.32 |
- 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 | 9.25% | 9.394% | $244.35 |
- 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% | 12.130% | $111.55 |
- Monthly payment is based on example amount and maximum term
- APR includes $75 processing fee
*Time Notes
| Product Name | Maximum Term | Loan Amount Example | 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.
Energy Loans
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Energy Loans | 84 | $15,000.00 | 2.00% | 2.00% | $191.52 | |
| Energy Loans | 84 | $15,000.00 | 0% | 0% | $178.58 |
- Loan amount and terms are determined by Utility Company and stated on the Residential Energy Efficiency Loan Authorization Form.
Solar Program
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Solar Program | 120 | $25,000.00 | 8.74% | 8.81% | $313.19 | |
| Solar Program | 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
Collateral Loans
| Product 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 |
Check Reserve
| Product Name | Maximum Term | Rate | |
|---|---|---|---|
| Check Reserve | Revolving | 15% |