Website Consumer Loan Rates
All rates effective
Monday, January 18, 2021 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2021 & 2020 | 84 | 84 | 20 | 35000 | 35000 | Fixed | 4.49 | 4.554 | 0.000 | 75 | Fixed | 0.25 | 486.34 | 4.24 | 4.304 | Apply Now | ||||
| 2021 & 2020 | 72 | 72 | 0 | 10000.00 | 10000.00 | Fixed | 3.99 | 4.249 | 0.000 | 75 | Fixed | 0.25 | 156.41 | 3.74 | 3.998 | Apply Now | ||||
| 2019 & 2018 | 72 | 72 | 0 | 10000.00 | 10000.00 | Fixed | 5 | 5.262 | 0.000 | 75 | Fixed | 0.25 | 161.05 | 4.75 | 5.011 | Apply Now | ||||
| 2019 & 2018 | 60 | 60 | 0 | 10000.00 | 10000.00 | Fixed | 4.50 | 4.809 | 0.000 | 75 | Fixed | 0.25 | 186.43 | 4.25 | 4.558 | Apply Now | ||||
| 2017 & 2016 | 60 | 60 | 0 | 10000.00 | 10000.00 | Fixed | 4.75 | 5.060 | 0.000 | 75 | Fixed | 0.25 | 187.57 | 4.50 | 4.809 | Apply Now | ||||
| 2015 & 2014 | 48 | 48 | 0 | 10000.00 | 10000.00 | Fixed | 6.50 | 6.888 | 0.000 | 75 | Fixed | 0.25 | 237.15 | 6.25 | 6.637 | Apply Now | ||||
| 2013 & 2012 | 36 | 36 | 0 | 7500 | 7500 | Fixed | 7.25 | 7.931 | 0.000 | 75 | Fixed | 0.25 | 232.44 | 7.00 | 7.680 | Apply 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 |
- 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 |
- 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 |
- 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 |
- 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 |
- 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 |
- 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% |
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.