Loan Rates
Rates effective November 1, 2021, at 7:30 am ET
Rates are subject to change.
| Term | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| New Auto | |||
| 3 years | 1.99% | 1.99% | $28.64 |
| 4 years | 2.24% | 2.24% | $21.81 |
| 5 years | 2.49% | 2.49% | $17.75 |
| 6 years | 2.99% | 2.99% | $15.20 |
| Used Auto** 2013-2021 model years | |||
| 3 years (2013-2021) | 1.99% | 1.99% | $28.64 |
| 4 years (2013-2021) | 2.24% | 2.24% | $21.81 |
| 5 years (2015-2021) | 2.49% | 2.49% | $17.75 |
| 6 years (2017-2021) | 2.99% | 2.99% | $15.20 |
| Older Auto** 2001-2012 model years | |||
| Up to 4 years | 6.24% | 6.24% | $23.60 |
| New & Used Motorcycles** 2013-2021 model years - street legal 300cc minimum size motorcycles only | |||
| Up to 6 years | 5.49% | 5.49% | $16.33 |
| * APR = Annual Percentage Rate. ** Term based on age of vehicle. | |||
| Term | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| Refinance Mortgage | |||
| 5 years** | 2.62% | 2.98% | $17.80 |
| 5 years*** | 2.12% | 3.09% | $17.58 |
| 10 years** | 2.85% | 3.03% | $9.66 |
| 10 years*** | 2.35% | 2.85% | $9.36 |
| 15 years** | 3.00% | 3.13% | $6.91 |
| 15 years*** | 2.50% | 2.84% | $6.67 |
| 20 years** | 3.17% | 3.27% | $5.63 |
| 20 years*** | 2.67% | 2.93% | $5.38 |
* APR = Annual Percentage Rate. *** Refinance Mortgage APR based on $100,000 mortgage & includes $2,375 processing fee. | |||
| Account Type | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| Variable Rate Home Equity Line of Credit | |||
| Prime rate minus 1/2%: floor of 4% & cap of 18% | 4.00% | 4.00% | $10.13 with a minimum of $100 per month |
Promotional Rate*** 11/1/21 - 1/31/22 |
1.99% | 1.99% | $10.13 with a minimum of $100 per month |
| Fixed Rate Home Equity** | |||
| 5 years | 2.99% | 2.99% | $17.96 |
| 7 years | 3.49% | 3.49% | $13.44 |
| 10 years | 3.74% | 3.74% | $10.00 |
| 15 years | 4.00% | 4.00% | $7.40 |
| 20 years | 4.99% | 4.99% | $6.59 |
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open. ***APR = Annual Percentage Rate. HELOC advances made between November 1, 2021 and January 31, 2022, will qualify for the Promotional Rate of 1.99% APR, valid through July 31, 2022. Payments will be applied toward the interest first and then to the promotional balance. On August 1, 2022, your rate will revert back to the variable rate based on prime with a floor rate of 4.00%. Promotion is available to existing HELOCs. Please review our list of eligible states for Real Estate Secured Loan products. This loan can only be secured by your primary residence or second home.
| |||
| Account Type | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| Secured Shares or Share Certificates, Non IRA Shares | |||
| Up to 5 years | 3.05% | 3.05% | $17.99 |
| Unsecured | |||
| 2 years | 3.99% | 3.99% | $43.43 |
| 5 years | 5.99% | 5.99% | $19.33 |
| * APR = Annual Percentage Rate. | |||
| Account Type | Rate | APR* | Minimum Payment |
|---|---|---|---|
| Fast Cash/Overdraft Protection* variable prime rate plus 3% | |||
| Line of Credit | 6.25% | 6.25% | Minimum payment of $15 or 3% of balance |
| * APR = Annual Percentage Rate. Rate is variable and subject to change after loan account is open. | |||
| Card Type | Rate | APR* | Minimum Payment |
|---|---|---|---|
| Mastercard Plus | 11.90% | 11.90% | Minimum payment of $15 or 3% of balance |
| * APR = Annual Percentage Rate. | |||