Website Consumer Loan Rates
All rates effective
Monday, August 21, 2017 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 2017 - 2016 | 72 | 72 | 10 | 10000.00 | 10000.00 | Fixed | 3.24 | 3.497 | 0.000 | 75 | Fixed | 0.25 | 153.01 | 2.99 | 3.246 | ||||
| New Auto 2017 - 2016 | 60 | 60 | 10 | 10000.00 | 10000.00 | Fixed | 3.24 | 3.546 | 0.000 | 75 | Fixed | 0.25 | 180.76 | 2.99 | 3.295 | ||||
| New Auto 2017 - 2016 | 48 | 48 | 10 | 10000.00 | 10000.00 | Fixed | 3.24 | 3.618 | 0.000 | 75 | Fixed | 0.25 | 222.41 | 2.99 | 3.368 | ||||
| New Auto 2017 - 2016 | 36 | 36 | 10 | 10000.00 | 10000.00 | Fixed | 3.24 | 3.738 | 0.000 | 75 | Fixed | 0.25 | 291.87 | 2.99 | 3.487 | ||||
| Used Auto 2016 | 60 | 60 | 15 | 10000.00 | 10000.00 | Fixed | 3.50 | 3.806 | 0.000 | 75 | Fixed | 0.25 | 181.92 | 3.25 | 3.556 | ||||
| Used Auto 2015, 2014 | 60 | 60 | 15 | 10000.00 | 10000.00 | Fixed | 3.75 | 4.05 | 0.000 | 75 | Fixed | 0.25 | 183.04 | 3.50 | 3.806 | ||||
| Used Auto 2013, 2012, 2011 | 48 | 48 | 20 | 10000.00 | 10000.00 | Fixed | 6.25 | 6.63 | 0.000 | 75 | Fixed | 0.25 | 236.00 | 6.00 | 6.386 | ||||
| Used Auto 2010, 2009, 2008 | 36 | 36 | 20 | 7500.00 | 7500.00 | Fixed | 7.00 | 7.5 | 0.000 | 75 | Fixed | 0.25 | 231.58 | 6.75 | 7.429 |
- 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 | 7.75 | 7.836 | 75 | 240.02 | 7.75 | 240.02 | 7.836 |
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 | 8.51 | 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 | 60 | 60 | 0 | 10000.00 | 10000.00 | 6.49 | 6.95 | 6.99 | 75 | Fixed | 0.50 | 195.61 | 5.99 | 6.303 |
- 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% |
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.