Website Consumer Loan Rates
All rates effective Tuesday, September 20, 2022 unless otherwise noted and are subject to change without notice due to market fluctuations and may vary due to property and loan characteristics.
*Auto Loans
NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre Authorized Payment Apr
2022 & 202184842035000.0035000.00Fixed4.494.5540.00075Fixed0.25486.344.244.304
2022 & 20217272010000.0010000.00Fixed3.994.2490.00075Fixed0.25156.413.743.998
2020 & 20197272010000.0010000.00Fixed5.005.2620.00075Fixed0.25161.054.755.011
2020 & 20196060010000.0010000.00Fixed4.504.8090.00075Fixed0.25186.434.254.558
2018 & 20176060010000.0010000.00Fixed4.755.0600.00075Fixed0.25187.574.504.809
2016 & 20154848010000.0010000.00Fixed6.506.8880.00075Fixed0.25237.156.256.637
2014 & Older3636010000.0010000.00Fixed7.257.7600.00075Fixed0.25309.927.007.509
  • 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
NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre Authorized Payment Apr
New & Used 120120020000.0020000.007.747.82675239.927.747.826

Monthly payment is based on example amount and maximum term

VSI Premium $40

APR includes $75 processing fee

*Motorcycles, SeaDoos, Snowmobiles & ATVs
NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre Authorized Payment Apr
Motorcycles, SeaDoos, Snowmobiles, ATVs - New & Used484807500.007500.0088.52475183.108.008.524
  • Monthly payment is based on example amount and maximum term
  • VSI Premium $40
  • APR includes $75 processing fee
*Home Improvement Loan
NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre Authorized Payment Apr
Home Improvement8484015000.0015000.007.507.7197.5075Fixed0.50231.307.50
  • Monthly payment is based on example amount and maximum term
  • APR includes $75 processing fee
*Personal Unsecured
NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre Authorized Payment Apr
Personal Unsecured606005,000.00500010.9911.6575Fixed0.25111.2211.75
  • 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
NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre 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
         

 

NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre Authorized Payment Apr
Stock606010000100007.758.07475Fixed203.12
Check Reserve
Product Name Maximum Term Rate
Check Reserve Revolving 15%
NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre Authorized Payment Apr
Mobile Homes - (1985 and newer) in a Park or Coop that are not on their own land

 

NameMaximum Term MonthsMaximum TermDown Payment RequirementLoan AmountLoan Amount ExampleDiscount Or Premium RateRateAnnual Percentage RateFloor RateCapsArm Index ValueMargin PercentagePpfcRate AdjustmentReg Rate Pre Auth Payment Rate DiffMonthly PaymentPre Authorized Payment RatePre Authorized Payment AmountPre Authorized Payment Apr
Mobile Home - Credit Score 680 and above3003002050000500006.006.3651685Fixed0322.156.006.365
Mobile Home - Credit Score 660 - 6793003002050000500006.506.8741685Fixed0337.606.506.874
  • Monthly payment is based on product amount and maximum term
  • $750 Origination fee.
  • $625 Attorney fee.
  • $175 Appraisal Management fee
  • $20 Flood Determination fee
  • $90 Tax Service fee
  • $25 Cloing Protection Letter fee
  • Above fees are included in the APR.