Consumer

Consumer Loan Rates

Loan rates shown here are current as of:
February 1st, 2023

New & Used Auto

APR = Annual Percentage Rate

_*Payment Example:* For an auto loan of $10,000.00 at 7.74% APR for 60 months, you would make 60 payments of $202.83.
Amount Term APR
Varies 0-72 Months 7.99% – 23.99%

Recreational Vehicles

APR = Annual Percentage Rate

Payment Example: For an RV loan of $10,000 at 6.74% APR for 60 months, you would make 60 payments of $197.85.
Amount Term APR
Less than $50,000 Up to 5 year fixed 8.74% – 14.49%
$50,000 – $100,000 Up to 10 year fixed 9.24% – 11.99%
$100,000 – $250,000 Up to 15 year fixed 9.99% – 10.24%

Personal

APR = Annual Percentage Rate

Payment Example: For a personal loan of $5,000.00 at 8.00% APR for 36 months, you would make 36 payments of $156.69.
Type Amount Term APR
Personal (Fixed Rate) Varies Varies 9.50% – 21.00%

Credit Cards

APR = Annual Percentage Rate

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances 9.90% – 24.90% when you open your account, based on your creditworthiness. After that, your APR may vary with the market and changes in creditworthiness.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchase balance that you pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau
FEES
Annual Fee None
Transaction Fees:

Cash Advance Fee None
Balance Transfer Fee None
Foreign Transaction Fee None
Penalty Fees:

Late Payment Fee $25
Over the Credit Limit Fee None
Return Payment Fee $25

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).
Card Type Amount Term APR
Mastercard Credit Card Varies Variable Rate and Term 9.90% – 24.90%
Mastercard Deposit Secured Varies Variable Rate and Term 9.90% – 18.90%