Consumer Loan Rates
Consumer, Auto & Home Equity Loan Rates
Annual Percentage Rates (APRs) effective as of January 14, 2019 and are subject to change at any time. Offer of credit is subject to approval.
| Type | Maximum Loan | APR | Max Term | Monthly Payment Examples per $1,000 |
|
|---|---|---|---|---|---|
|
Personal Loan
(1,000 minimum)
|
Unsecured |
$5,000 |
15.00%1 | 48 mos. | $27.83 |
|
Unsecured |
$5,000 |
12.00%1 | 12 mos. | $88.85 |
1A .25% reduction in the above rate is available at closing when signed up for auto deduction.
| Minimum Loan | APR | Max Term | Monthly Payment Examples per $1,000 |
|
|---|---|---|---|---|
| CD/Savings Adjustable-Rate Loan |
$1,000 |
5.50%2 | No Maximum | $10.85 Payment example based on 10 year term |
| Personal Line of Credit |
$500 |
11.50%3 | No Maximum | |
| Home Improvement Fixed-Rate Loan |
$1,000 |
11.00%1 | 72 mos. | $19.03 |
1 A .25% reduction in the above rate is available at closing when signed up for auto deduction.
2 APR is variable and based on Wall Street Journal Prime Rate. Prime rate is currently 5.50% as of January 14, 2019.
3 APR is variable and based on Wall Street Journal Prime Rate plus 6.00%. Prime rate is currently 5.50% as of January 14, 2019.
| Model Year | APR | Max Term | Monthly Payment Examples per $1,000 |
|
|---|---|---|---|---|
| Automobile Loans (new) |
2018 - New |
4.00%1 |
60 mos. | $18.42 |
|
2018 - New |
4.50%1 | 72 mos. for loans over $20,000 | $15.87 |
1A .25% reduction in the above rate is available at closing when signed up for auto deduction. Financing available up to 100% of the contracted purchase price or MSRP, whichever is less.
| Model Year | APR | Max Term | Monthly Payment Examples per $1,000 |
|
|---|---|---|---|---|
| Automobile Loans (used) | 2011 - 2017 | 4.75%1 | 48 mos. | $22.92 |
| 2010 & Older | 5.50%1 | 48 mos. | $23.26 |
1A .25% reduction in the above rate is available at closing when signed up for auto deduction. Financing available up to 100% of the contracted purchase price or used car retail value, whichever is less.
| Terms | APR | Monthly Payment Examples per $1,000 |
|
|---|---|---|---|
| Fixed Term Home Equities4 | 5 Years 10 Years 15 Years 20 Years |
4.25% 4.75% 5.25% 5.50% |
$18.53 $10.48 $8.04 $6.88 |
4 Up to 85% Loan-to-Value (LTV) of the market value.
| Terms | APR | |
|---|---|---|
| Adjustable Rate Home Equity Line of Credit |
10 Year Draw Period 10 Year Repayment |
5.25%5
|
5The APR is variable and based on WSJ Prime Rate minus 0.25%. Prime rate is currently 5.50% as of January 14, 2019. Maximum APR is 18%. Homeowners and Flood insurance (where applicable) is required for the life of the loan. Offer available on primary owner occupied 1-4 family residences only. Other conditions may apply.