All rates effective Tuesday, November 21, 2023 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 | |
|---|---|---|---|---|---|---|
| 2023 & 2022 | 84 | $35,000.00 | 7.75% | 7.83% | $542.49 | Apply Now |
| 2023 & 2022 | 72 | $10,000.00 | 7.25% | 7.53% | $173.03 | Apply Now |
| 2021 & 2020 | 72 | $10,000.00 | 8.25% | 8.53% | $177.93 | Apply Now |
| 2021 & 2020 | 60 | $10,000.00 | 7.75% | 8.08% | $203.13 | Apply Now |
| 2019 & 2018 | 60 | $10,000.00 | 8.00% | 8.33% | $204.34 | Apply Now |
| 2017 & 2016 | 48 | $10,000.00 | 9.75% | 10.16% | $254.39 | Apply Now |
| 2015 & Older | 36 | $7,500.00 | 10.50% | 11.21% | $246.28 | 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
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| New & Used | 120 | $20,000.00 | 9.50% | 9.60% | $259.88 | Apply Now |
- Monthly payment is based on example amount and maximum term
- VSI Premium $40
- APR includes $75 processing fee
*Motorcycles, Jet Skis, Snowmobiles & ATVs
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Motorcycles, Jet Skis, Snowmobiles, ATVs – New & Used | 48 | $7,500.00 | 9.50% | 10.04% | $190.36 | Apply Now |
- 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 | 9.24% | 9.41% | $244.47 | Apply Now |
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% | 12.17% | $111.66 | Apply Now |
*Time Notes
| Name | Maximum Term | Example Loan Amount | Rate | Annual PErcentage Rate (APR) | |
|---|---|---|---|---|---|
| Time Loans | 90 Days | $5,000.00 | 11.50% | 20.691% | Apply Now |
- APR includes $75 processing fee
- Payment due at maturity based on $5,000 example for 90 days at 11.50% would be $5,248.41 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
| 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 |
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment | |
|---|---|---|---|---|---|---|
| Stock | 60 | $10,000.00 | 9.00% | 9.33% | $209.20 | Apply Now |
- Max LTV 70%
- APR includes $75 processing fee.
- Monthly Payment Based on $10,000 for 60 months
Check Reserve
| Name | Maximum Term | Rate | |
|---|---|---|---|
| Check Reserve | Revolving | 15% | Apply Now |
Boat Slips
- Rate is 9.75%, *APR equals 10.074%
- $500.00 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 9.75% interest rate, the monthly payment would be $441.53
- *APR includes a $500.00 Document Preparation Fee, $610.00 Attorney Fee, $90.00 Tax Service Fee and $155 Appraisal Management Fee
