Website Consumer Loan Rates
All rates effective
Monday, April 16, 2018 unless otherwise noted and
are subject to change without notice.
*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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| New Auto 2018 & 2017 | 72 | 72 | 10 | 10000.00 | 10000.00 | Fixed | 3.75 | 4.005 | 0.000 | 75 | Fixed | 0.25 | 153.01 | 2.99 | |||||
| New Auto 2018 & 2017 | 60 | 60 | 10 | 10000.00 | 10000.00 | Fixed | 3.75 | 4.057 | 0.000 | 75 | Fixed | 0.25 | 183.04 | 3.50 | 3.806 | ||||
| New Auto 2018 & 2017 | 48 | 48 | 10 | 10000.00 | 10000.00 | Fixed | 3.75 | 4.130 | 0.000 | 75 | Fixed | 0.25 | 224.67 | 3.50 | 3.879 | ||||
| New Auto 2018 & 2017 | 36 | 36 | 10 | 10000.00 | 10000.00 | Fixed | 3.75 | 4.250 | 0.000 | 75 | Fixed | 0.25 | 294.13 | 3.50 | 3.999 | ||||
| Used Auto 2017 | 60 | 60 | 15 | 10000.00 | 10000.00 | Fixed | 4.50 | 4.809 | 0.000 | 75 | Fixed | 0.25 | 186.43 | 4.25 | 4.558 | ||||
| Used Auto 2016, 2015 | 60 | 60 | 15 | 10000.00 | 10000.00 | Fixed | 4.75 | 5.060 | 0.000 | 75 | Fixed | 0.25 | 187.57 | 4.50 | 4.809 | ||||
| Used Auto 2014, 2013, 2012 | 48 | 48 | 20 | 10000.00 | 10000.00 | Fixed | 6.75 | 7.138 | 0.000 | 75 | Fixed | 0.25 | 238.30 | 6.50 | 6.888 | ||||
| Used Auto 2011, 2010, 2009 | 36 | 36 | 20 | 7500.00 | 7500.00 | Fixed | 7.50 | 7.996 | 0.000 | 75 | Fixed | 0.25 | 233.30 | 7.25 | 7.931 |
- Monthly payment is based on example amount and maximum term
- VSI Premium of $40
- APR includes $75 processing fee
- Mileage restrictions may apply
*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 Boats | 120 | 120 | 0 | 20000.00 | 20000.00 | 7.99 | 8.076 | 75 | 242.55 | 7.99 | 8.076 |
- 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 | 8.25 | 8.775 | 75 | 183.98 | 8.25 | 8.775 |
- 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. | 6.75 | 6.904 | 6.75 | 75 | Fixed | 0.50 | 224.56 | 6.25 | 6.403 |
- 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 | 12.00 | 12.68 | 75 | Fixed | 0.25 | 111.22 | 11.75 | 12.416 |
- 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 | 12.00% | 18.26% |
- APR includes $75 processing fee
- Payment due at maturity based on $5,000 example for 90 days at 12% would be $5,147.94.
*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 | 90% | Rate 4.00% |
| Stock | 60 months | 70% | *Prime + 3.00% |
*Prime rate as stated in the Wall Street Journal. Prime rate as of 03/16/2017 is 4.00%
- APR includes $75 processing fee
Check Reserve
| Product Name | Maximum Term | Rate |
| Check Reserve | Revolving | 15% |
Boat Slips
- Initial rate is 4.99%, *APR equals 5.949%
- 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 4.99% initial interest rate, the monthly payment would be $268.24 for the first 3 years and $297.61 in subsequent years with a final payment of $297.61 based on the current 1 year T-Bill plus 4.25% margin.*
- *APR includes a $400.00 Document Preparation Fee, $575.00 Attorney Fee and $82.00 Tax Service Fee.
Mobile Homes - (1985 and newer) in a park that are not on their own land
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mobile Home - $50,000 and Above | 300 | 300 | 20 | $50,000 and above | 50000.00 | 7.00 | 7.242 | 7.00 | 1072 | Fixed | 0 | 353.39 | 7.00 | 7.242 | |||||
| Mobile Home - $25,000 to $49,999 | 240 | 240 | 20 | $25,000 to $49,000 | 25000.00 | 7.00 | 7.573 | 7.00 | 1072 | Fixed | 0 | 193.82 | 7.00 | 7.573 | |||||
| Mobile Home - $10,000 to $24,999 | 180 | 180 | 20 | $10,000 to $24,999 | 10000.00 | 7.00 | 8.873 | 7.00 | 1072 | Fixed | 0 | 89.88 | 7.00 | 8.873 |
- Monthly payment is based on product amount and maximum term
- $400 Document preparation fee.
- $575 Attorney fee.
- $15 Flood determination fee
- $82 Tax service fee
- Above fees are included in the APR.