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Consumer Loan Rates
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Consumer loans interest rates are best rates on approved credit, stated as Annual Percentage Rate (APR). Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Other terms and conditions may apply.
Effective Date: 10/21/2019
Interest Rates as Low AsTerms and Conditions 
Cars and Trucks3.75%Up to 100% of the purchase price or NADA retail value (whichever is less), plus extended warranty.
Boats/Vessels4.99%/5.99%/7.99%Maximum loan amount $250,000. Marine survey required on loans over $40,000 on used boats.100% financing for boats under $40,000, Boats over $40,000 up to 90% of the purchase price/retail or surveyed value.
Motorhome (RVs), Travel Trailers, Truck/Camper Combo/5th Wheeler/Toy Hauler4.99%/5.99%/7.99%Up to 80% of the purchase price or NADA retail value not to exceed low book on used units (whichever is less), plus extended warranty.
Motorcycles3.25%Up to $30,000. Up to 100% of the purchase price, not exceed 100% of NADA retail value.
ATV, Snowmachine and Watercraft3.25%Up to $30,000. Up to 100% of the purchase price, not exceed 100% of NADA retail value.
Personal Loan9.99%Personal loans can be used for braces, sports, equipment/uniforms, musical instruments, consolidations, vacations, and insurance deductibles. You name it. Borrow between $200 and $20,000.
Pledge of ShareSavings Rate +2.0-3.0%Only Regular Share accounts (S1) are eligible as collateral. Rate is based on the term of the loan.
Pledge of CertificateCertificate Rate +2.0%Term may not exceed the certificate maturity date.

Download Consumer Loan Rate Sheet