Website Consumer Loan Rates
All rates effective
Tuesday, January 18, 2022 unless otherwise noted and are subject to change without notice due to market fluctuations and may vary due to property and loan characteristics.
*Auto Loans
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2022 & 2021 | 84 | 84 | 20 | 35000 | 35000 | Fixed | 4.49 | 4.554 | 0.000 | 75 | Fixed | 0.25 | 486.34 | 4.24 | 4.304 | Open Now | ||||
| 2022 & 2021 | 72 | 72 | 0 | 10000.00 | 10000.00 | Fixed | 3.99 | 4.249 | 0.000 | 75 | Fixed | 0.25 | 156.41 | 3.74 | 3.998 | Open Now | ||||
| 2020 & 2019 | 72 | 72 | 0 | 10000.00 | 10000.00 | Fixed | 5 | 5.262 | 0.000 | 75 | Fixed | 0.25 | 161.05 | 4.75 | 5.011 | Open Now | ||||
| 2020 & 2019 | 60 | 60 | 0 | 10000.00 | 10000.00 | Fixed | 4.50 | 4.809 | 0.000 | 75 | Fixed | 0.25 | 186.43 | 4.25 | 4.558 | Open Now | ||||
| 2018 & 2017 | 60 | 60 | 0 | 10000.00 | 10000.00 | Fixed | 4.75 | 5.060 | 0.000 | 75 | Fixed | 0.25 | 187.57 | 4.50 | 4.809 | Open Now | ||||
| 2016 & 2015 | 48 | 48 | 0 | 10000.00 | 10000.00 | Fixed | 6.50 | 6.888 | 0.000 | 75 | Fixed | 0.25 | 237.15 | 6.25 | 6.637 | Open Now | ||||
| 2014 & Older | 36 | 36 | 0 | 7500 | 7500 | Fixed | 7.25 | 7.931 | 0.000 | 75 | Fixed | 0.25 | 232.44 | 7.00 | 7.680 | Open Now |
- 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
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| New & Used | 120 | 120 | 0 | 20000.00 | 20000.00 | 7.74 | 7.826 | 75 | 239.92 | 7.74 | 7.826 | Apply Now | Open Now |
- Monthly payment is based on example amount and maximum term
- VSI Premium $40
- APR includes $75 processing fee
*Motorcycles, SeaDoos, Snowmobiles & ATVs
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Motorcycles, SeaDoos, Snowmobiles, ATVs - New & Used | 48 | 48 | 0 | 7500.00 | 7500.00 | 8.00 | 8.524 | 75 | 183.10 | 8.00 | 8.524 | Apply Now | Open Now |
- Monthly payment is based on example amount and maximum term
- VSI Premium $40
- APR includes $75 processing fee
*Home Improvement Loan
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Home Improvement | 84 | 84 | 0 | 15000. | 15000. | 6.99 | 7.145 | 6.99 | 75 | Fixed | 0.50 | 226.32 | 6.49 | 6.644 | Open Now |
- Monthly payment is based on example amount and maximum term
- APR includes $75 processing fee
*Personal Unsecured
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Personal Unsecured | 60 | 60 | 0 | 5,000.00 | 5000 | 10.99 | 11.65 | 75 | Fixed | 0.25 | 111.22 | 11.75 | Apply Now | Open Now |
- Monthly payment is based on example amount and maximum term
- APR includes $75 processing fee
*Time Notes
| Product Name | Maximum Term | Example Loan Amount | Rate | Annual Percentage Rate (APR) | |
| Time Loans | 90 Days | $5,000 | 10.99% | 18.13% | Apply Now |
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr |
|---|
- APR includes $75 processing fee
- Payment due at maturity based on $5,000 example for 90 days at 10.99% would be $5,228.50 including doc fee financed in.
*Quoted rates are based on credit scores of 700 or above and are subject to change without notice. Other underwriting considerations may apply.
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 |
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock | 60 | 60 | 10000 | 10000 | 7.75 | 8.074 | 75 | Fixed | 0 | 203.12 | 7.75 | Apply Now | Open Now |
- Max LTV 70%
- APR includes $75 processing fee.
- Monthly Payment Based on $10,000 for 60 months
Check Reserve
| Product Name | Maximum Term | Rate |
| Check Reserve | Revolving | 15% |
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr |
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Boat Slips
- Initial rate is 5.99%, *APR equals 6.2050%
- 6.25% Floor
- Rate is based on the 1 year T-Bill + 4.250%
- There is a 2/6 cap.
- Annual Percentage Rate may increase after consummation.
- 3/1 Year ARM, maximum term 30 years
- $400.00 Document Preparation Fee
- Maximum LTV 80% of purchase price or appraisal, whichever is less
- 20% down payment required
- Based on a $50,000, 30 year loan at 5.99% initial interest rate, the monthly payment would be $299.56 for the first 3 years and $299.86 in subsequent years with a final payment of $379.38 based on the current 1 year T-Bill plus 4.25% margin.*
- *APR includes a $400.00 Document Preparation Fee, $585.00 Attorney Fee and $90.00 Tax Service Fee.
| Name | Maximum Term Months | Maximum Term | Down Payment Requirement | Loan Amount | Loan Amount Example | Discount Or Premium Rate | Rate | Annual Percentage Rate | Floor Rate | Caps | Arm Index Value | Margin Percentage | Ppfc | Rate Adjustment | Reg Rate Pre Auth Payment Rate Diff | Monthly Payment | Pre Authorized Payment Rate | Pre Authorized Payment Amount | Pre Authorized Payment Apr |
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