Website Consumer Loan Rates
All rates effective
Tuesday, May 4, 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 | 35000.00 | 35000.00 | Fixed | 4.49 | 4.554 | 0.000 | 75 | Fixed | 0.25 | 486.34 | 4.24 | 4.304 | |||||
| 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 | |||||
| 2019 & 2018 | 72 | 72 | 0 | 10000.00 | 10000.00 | Fixed | 5.00 | 5.262 | 0.000 | 75 | Fixed | 0.25 | 161.05 | 4.75 | 5.011 | |||||
| 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 | |||||
| 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 | |||||
| 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 | |||||
| 2013 & Older | 36 | 36 | 0 | 10000.00 | 10000.00 | Fixed | 7.25 | 7.760 | 0.000 | 75 | Fixed | 0.25 | 309.92 | 7.00 | 7.509 |
- 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 |
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 | 8.524 | 75 | 183.10 | 8.00 | 8.524 |
- 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 |
- 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 |
- 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% | 17.239% | 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 $5,212.53.
*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 | 203.12 |
*Prime rate as stated in the Wall Street Journal. Prime rate as of 03/15/2020 is 3.25%
- APR includes $75 processing fee
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 |
|---|
Mobile Homes - (1985 and newer) in a Park or Coop 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 - Credit Score 680 and above | 300 | 300 | 20 | 50000 | 50000 | 6.00 | 6.326 | 1510 | Fixed | 0 | 322.15 | 6.00 | 6.326 | |||||||
| Mobile Home - Credit Score 660 - 679 | 300 | 300 | 20 | 50000 | 50000 | 6.50 | 6.834 | 1510 | Fixed | 0 | 337.60 | 6.50 | 6.834 |
- Monthly payment is based on product amount and maximum term
- $750 Origiantion fee.
- $625 Attorney fee.
- $20 Flood determination fee
- $90 Tax service fee
- $25 Cloing Protection Letter fee
- Above fees are included in the APR.