Click here to download our current rate sheet.

All rates effective Friday, April 12, 2024 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  
2024 & 2023 84 $35000.00 8.00 7.83% $542.49
2024 & 2023 72 $10000.00 8.00 7.53% $173.03
2022 & 2021 72 $10000.00 8.00 8.53% $177.93
2022 & 2021 60 $10000.00 8.00 8.08% $203.13
2020 & 2019 60 $10000.00 8.00% 8.33% $204.34
2018 & 2017 48 $10000.00 8.00 10.16% $204.34
2016 & Older 36 $7500.00 8.00 11.21% $246.28
  • 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 $20000.00 9.50% 9.60% $259.88
  • Monthly payment is based on example amount and maximum term
  • VSI Premium $40
  • APR includes $75 processing fee
*Motorcycles, SeaDoos, Snowmobiles & ATVs
Product Name Maximum Term (Months) Loan Amount Example Rate Annual Percentage Rate (APR) Monthly Payment  
Motorcycles, SeaDoos, Snowmobiles, ATVs – New & Used 48 $7500.00 9.50% 10.04% $190.36
  • 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 $15000.00 9.24% 9.41% $244.47
  • 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 $4900.00 11.50% 12.17% $111.66
  • Monthly payment is based on example amount and maximum term
  • APR includes $75 processing fee
Energy Loans
Product Name Maximum Term (Months) Loan Amount Example Rate Annual Percentage Rate (APR) Monthly Payment  
Energy Loans 84 $15000.00 2.00% 2.001% $191.52
Energy Loans 84 $15000.00 0% 0% $178.58
  • Loan amount and terms are determined by Utility Co
Solar Program
Product Name Maximum Term (Months) Loan Amount Example Rate Annual Percentage Rate (APR) Monthly Payment  
Solar Program 120 $25000.00 8.74% 8.819% $313.19
Solar Program 180 $40000.00 9.24% 9.274% $411.44
*Time Notes
Product Name Maximum Term Loan Amount Example Rate Annual Percentage Rate (APR)  
Time Loans 90 Days $5000.00 11.50% 20.691%
  • 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.

*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
Check Reserve
Product Name Maximum Term Rate  
Check Reserve Revolving 15%