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Loan Rates

Vehicle Loan Rates

Type

Percent Financed

Approximate Term

As low As APR1

New* & Used** (2024-2025)

up to 100%

up to 84 months

5.90%

Used** (2021-2023)

up to 100%

up to 72 months

6.05%

Used** (2018-2020)

up to 100%

up to 60 months

5.95%

*New is considered to be within 1 year and under 10,000 miles
**Used is considered to be between 1 & 7 years old and under 125,000 miles

Home Equity Loan Rates

Term

Loan to Value

As low As APR1

Up to 60 months closed end/fixed rate

Up to 80%

6.50%

61 months up to 120 months closed end/fixed rate

Up to 80%

7.00%

121 months up to 180 months closed end/fixed rate

Up to 80%

7.50%

Home Equity MAX Rates

Term

Loan to Value

As low As APR1

Up to 60 months closed end/fixed rate

Up to 100%

7.75%

Up to 120 months closed end/fixed rate

Up to 100%

8.25%

Up to 240 months closed end/fixed rate

Up to 100%

8.75%

Home Equity Line of Credit Rates

Term

Loan to Value

As low As APR1

10 year draw/10 year payout
(For a total of 20 years)

Up to 80%

7.50%

MAX HELOC Rates

Term

Loan to Value

As low As APR1

10 year draw/15 year payout
(For a total of 25 years)

Up to 100%

8.75%

Watercraft Loan Rates

Type

Percent Financed

Approximate Term

As low As APR1

New

up to 90%

60-120 months

6.10%

Used

up to 90%

36-72 months

6.10%

Motorcycle Loan Rates

Type

Percent Financed

Approximate Term

As low As APR1

New 2021-2023

up to 100%

up to 60 months

5.94%

Used

up to 100%

up to 48 months

7.19%

Other Loan Rates

Type

Approximate Term

As low As APR1

Personal Loans

12-60 months

9.95%

SmartLine Line of Credit

12-60 months

8.19%

Share Secured Loan

12-60 months

3% over share dividend rate

Overdraft Protection Loan

12-60 months

12.70%

1 APR = Annual Percentage Rate. Rates shown reflect maximum discounts available. Certain restrictions apply. Rates are subject to change at any time. Rates are based on individual’s creditworthiness and term selected.

Effective May 1, 2025