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Consumer Loan Rates

Effective Date: January 12, 2017

 

Term

Monthly Payment
per $1,000 based on max available term

Rate/Annual
Percentage
Rate 

 

Personal Unsecured

$500-$20,000

12-24 months

$45.22

7.99%

Apply Now

$1,100-$20,000

30-36 months

$31.80

8.99%

Apply Now

Merchant Program Unsecured

$1,000-$10,000

12-24 months

$45.22

7.99%

How to Apply

$1,000-$10,000

30-60 months

$20.75

8.99%

How to Apply

Automobile Loans

2013-2017

12-60 months

$17.91

2.89%

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2016-2017

 

61-72 months

 

$15.14

2.89%

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2011-2012

12-60 months

 

$18.30

3.75%

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2010 w/10% down

12-48 months

$22.91

4.75%

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2009 w/10% down

12-48 months

 

$23.93

6.99%

 

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2008 w/10% down

12-36 months

$30.87

6.99%

Apply Now

* Longer terms may be available at the Bank's discretion on older vehicles with less than 100,000 miles. Please ask a loan officer for terms and rates

Recreational

NEW w/20% down

12-72 months

$17.40

7.75%

Apply Now

USED w/20% down

12-48 months

$24.52

8.24%

Apply Now

Boat Loans

NEW w/20% down

12-72 months

$16.22

5.25%

Apply Now

 USED w/20% down

12-48 months 

$23.14 

 5.25%

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* Longer terms or higher LTV may be available at the Bank's discretion.

Commercial Vehicles or Equipment

NEW w/20% down

12-60 months

$18.64

4.50%

How to Apply

NEW w/20% down

61-84 months 

$14.12 

4.99% 

 How to Apply

USED w/20% down

12-36 months 

$29.96 

4.99% 

How to Apply

USED w/20% down

37-60 months

$19.32

5.99%

How to Apply

Snowmobile Loans/ Dirt Bikes

NEW w/20% down

12-48 months

$25.35

9.99%

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USED w/20% down

12-36 months

$32.49

10.49%

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Motorcycles

NEW w/20% down

12-48 months

$24.40

7.99%

Apply Now

USED w/20% down

12-36 months

$31.55

8.49%

Apply Now

Time Notes

$1,000-$5,099

30-90 days

$11.24

8.99%

How to Apply

$5,100-$20,000

30-90 days

$11.22

7.99%

How to Apply

Unsecured Home Improvement Loans

$1,000-$6,000

1 to 3 years

$30.87

6.99%

Apply Now

 $6,001-$10,000

1 to 5 years 

$19.79 

6.99% 

Apply Now

Manufactured Home Loans

Please speak with a Loan Officer

How to Apply

Collateral Loans-N.E.S.B. Passbooks

95% of amount on deposit Demand, interest only-3% over interest rate on deposit account

95% of amount on deposit 12-60 mos., principal & interest-3% over interest rate on deposit account.

Apply Now

Overdraft Protection Line of Credit

$500-$5,000

   

18.000%

Apply Now

Date of last rate change: March 19, 2013

Loans are subject to credit approval