Loan Rates


 

APR = Annual Percentage Rate

Rates are accurate as of 10/01/2024 and subject to change without notice.

Loans paid via direct deposit will receive a 0.50% discount off the APR.  If direct deposit is discontinued, your APR will increase by 0.50% (excluding Stock-, Share- and Certificate-Secured, Overdraft Protection and Real Estate Loans).

 

Mortgage Rates

 

Term

APR

For a rate quote, click here.

 
 

Equi-Fix℠ Home Equity Loan Rates

Term

APR

60 months

6.25%

120 months

7.25%

180 months

8.75%

As an example, a 60-month, 6.25% fixed rate home equity loan for $20,000 would result in 60 monthly payments of $389.11.

 

Equi-Flex℠ Home Equity Line of Credit Rates

Term

APR

Revolving Line of Credit

8.50%
 

Auto Loan Rates, New and Used Cars

Term

APR

0-35 months
7.59%* - 15.49%

36-59 months

7.99%* - 15.99%

60-83 months

8.49%* - 16.59%

84+ months

9.29%* - 16.99%

As an example, a 4-year, 7.99% fixed rate auto loan for $20,000 would result in 48 monthly payments of $488.35.

*Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR.

 

Boat or RV Loan Rates, New and Used Vehicles

Term

APR

Up to 48 months

7.59%* - 15.99%

60 months

8.49%* - 16.59%

72 months

8.49%* - 16.59%

84 months or more

9.29%* - 16.99%

As an example, a 4-year, 7.99% fixed rate Boat or RV loan for $20,000 would result in 48 monthly payments of $488.35.

*Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR.

 

Motorcycle Loan Rates, New and Used Vehicles

Term

APR

0-35 months

7.59%* - 15.49%

36-48 months 7.99%* - 15.99%
As an example, a 4-year, 7.99% fixed rate Motorcycle loan for $20,000 would result in 48 monthly payments of $488.35.

*Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR.

 

Signature Loan Rates

Term

APR

Up to 60 months

9.45%* - 17.99%

As an example, a 5-year, 9.45% fixed rate signature loan for $20,000 would result in 60 monthly payments of $419.74.

*Not all borrowers will qualify for the lowest APR.

 

Secured Loan Rates

Type

Term

APR

Savings and Certificate Secured Loans

Up to 48 months

5.95%

49-84 months

6.25%

85-120 months

6.75%

Stock Secured Loans**

Up to 60 months

9.05%

As an example, a 5-year, 6.25% fixed rate savings and certificate secured loan for $20,000 would result in 60 monthly payments of $389.11.

As an example, a 3-year, 9.05% fixed rate stock secured loan for $20,000 would result in 36 monthly payments of $636.72.

**Stock Secured Loans of less than $15,000 have a maximum repayment term of 36 months.

 

Overdraft Protection Line of Credit Rates

Term

APR

Revolving Line of Credit*

16.00%

*Minimum monthly payment is calculated by multiplying the balance on the last day of the month by 4%. The minimum monthly payment will never be less than $20.00.

 

Holiday and Vacation Loan Rates

Type

Term

APR

Holiday Loans

Up to 12 months

9.95%

Vacation Loans

Up to 12 months

9.95%

As an example, a 1.5-year, 9.95% fixed rate holiday or vacation loan for $5,000 would result in 12 monthly payments of $441.20.

 

Qside MasterCard Credit Card Rates

Card

APR

MasterCard Classic Credit Card

12.9%

MasterCard Platinum Credit Card

8.9%