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Consumer Loan Rates

 

Consumer Loans

Annual Percentage Rates (APRs) effective as of December 14, 2018 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

5.25%2 No Maximum $10.73

Payment example based on 10 year term
Personal Line of Credit

$500

11.25%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 5.25% as of December 14, 2018.
3 APR is variable and based on Wall Street Journal Prime Rate plus 6.00%. Prime rate is currently 5.25% as of December 14, 2018.

Model Year APR Max Term Monthly Payment
Examples per $1,000
Automobile Loans (new)

2017 - New

3.75%1

60 mos. $18.30

2017 - New

4.25%1 72 mos. for loans over $20,000 $15.76
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) 2010 - 2016 4.50%1 48 mos. $22.80

2009 & Older 5.25%1 48 mos. $23.14
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
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

 
5.00%5
 5The APR is variable and based on WSJ Prime Rate minus 0.25%. Prime rate is currently 5.25% as of December 14, 2018. 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.