Website Consumer Loan Rates
All rates effective
Tuesday, February 25, 2020 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2020 & 2019 | 84 | 84 | 20 | 35000.00 | 35000.00 | Fixed | 4.49 | 4.554 | 0.000 | 75 | Fixed | 0.25 | 486.34 | 4.24 | 4.304 | Apply Now | ||||
| 2020 & 2019 | 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 | ||||
| 2018 & 2017 | 72 | 72 | 0 | 10000.00 | 10000.00 | Fixed | 5.00 | 5.262 | 0.000 | 75 | Fixed | 0.25 | 161.05 | 4.75 | 5.011 | Apply Now | ||||
| 2018 & 2017 | 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 | ||||
| 2016 & 2015 | 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 | ||||
| 2014 & 2013 | 48 | 48 | 0 | 10000.00 | 10000.00 | Fixed | 6.00 | 6.386 | 0.000 | 75 | Fixed | 0.25 | 234.85 | 5.75 | 6.135 | Apply Now | ||||
| 2012 & 2011 | 36 | 36 | 0 | 10000.00 | 10000.00 | Fixed | 7.50 | 8.011 | 0.000 | 75 | Fixed | 0.25 | 311.06 | 7.25 | 7.760 | 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 | 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 | Apply Now |
- 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 | 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 | 12.00% | 18.26% | Apply Now |
- 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% | Deposit Rate + 3.00% | Apply Now |
| Stock | 60 months | 70% | *Prime + 3.00% | Apply Now |
*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 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 | 7.00 | 7.345 | 1510 | Fixed | 0 | 353.39 | 7.00 | ||||||||
| Mobile Home - Credit Score 660 - 679 | 300 | 300 | 20 | 50000 | 50000 | 7.50 | 7.854 | 1510 | Fixed | 0 | 193.92 | 7.50 |
- 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.