All rates effective Tuesday, October 3, 2023 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 | 7.75 | 7.83% | $542.49 | |
| 2024 & 2023 | 72 | $10000.00 | 7.25 | 7.53% | $173.03 | |
| 2022 & 2021 | 72 | $10000.00 | 8.25 | 8.53% | $177.93 | |
| 2022 & 2021 | 60 | $10000.00 | 7.75 | 8.08% | $203.13 | |
| 2020 & 2019 | 60 | $10000.00 | 8.00 | 8.33% | $204.34 | |
| 2018 & 2017 | 48 | $10000.00 | 9.75 | 10.16% | $204.34 | |
| 2016 & Older | 36 | $7500.00 | 10.50 | 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 | |
- 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% | Apply Now |
- 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 | Apply Now |
Check Reserve
| Product Name | Maximum Term | Rate | |
|---|---|---|---|
| Check Reserve | Revolving | 15% |