Loan Rates
Auto Loans
Auto Loans
Effective as of February 1, 2025| Loan Type | Term | As Low As |
|---|---|---|
| New & Used Auto Loans | Up to 36 Months | 4.99% APR |
| Up to 48 Months | 5.50% APR |
|
| Up to 60 Months | 5.75% APR |
|
| Up to 72 Months | 5.99% APR |
|
| Up to 84 Months | 6.25% APR | |
| *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies. | ||
Motorcycles, ATVs, Jet Skis, Snowmobiles, and Other Secured Loans
Motorcycles, ATVs, Jet Skis, Snowmobiles, and Other Secured Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 36 Months | 6.75% APR |
| Up to 48 Months | 7.25% APR |
| Up to 60 Months | 7.49% APR |
| Up to 72 Months | 7.99% APR |
| Up to 84 Months | 8.50% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies. *Term limits may apply depending on the year of the vehicle. | |
Boat, RV, & Tractor Loans
Boat, RV, and Tractor Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 36 Months | 6.75% APR |
| Up to 48 Months | 7.25% APR |
| Up to 60 Months | 7.49% APR |
| Up to 72 Months | 7.99% APR |
| Up to 84 Months* | 8.50% APR |
| Up to 120 Months* | 9.00% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies. * Term limits may apply depending on year of vehicle. |
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Indus Fund Loans
Indus Fund Loan
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 5 Year Fixed Rate | 3.50% APR |
| *APR = Annual Percentage Rate. Loan amount can be between $500 - $10,000. | |
Other Secured Loans
Other Secured Loans
Effective as of February 1, 2025| Loan Type | Term | As Low As |
|---|---|---|
| Savings or Certificate Secured Loan | Up to 60 Months at Certificate Rate Plus 3% | call for rates |
Personal Loan Rates
Personal & Debt Consolidation Loans
Personal Loans & Debt Consolidation Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 7.99% APR |
| Up to 24 Months | 8.50% APR |
| Up to 36 Months | 9.99% APR |
| Up to 48 Months | 10.50% APR |
| Up to 60 Months | 10.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Lines of Credit
Lines of Credit
Effective as of February 1, 2025| Loan Type | Maximum Line | As Low As |
|---|---|---|
| Overdraft Protection Lines of Credit* | $5,000 | 14.50% APR |
| Credit Builder Lines of Credit** | $1,000 | 9.99% APR |
| Personal Lines of Credit** | $10,000 | 9.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. * Line available for qualified borrowers up to $5,000. Rate is variable and based on Prime +7%. Maximum Rate 18%. ** Rates are fixed for the life of the loan. |
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Energy Loans
Energy Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 6.99% APR |
| Up to 24 Months | 7.50% APR |
| Up to 36 Months | 8.99% APR |
| Up to 48 Months | 9.50% APR |
| Up to 60 Months | 9.99% APR |
| *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier. | |
Sustainability Loans
Sustainability Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 6.99% APR |
| Up to 24 Months | 7.50% APR |
| Up to 36 Months | 8.99% APR |
| Up to 48 Months | 9.50% APR |
| Up to 60 Months | 9.99% APR |
| *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Loan funds will be paid directly to supplier. | |
Citizenship Loan
Citizenship Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 6.99% APR |
| Up to 24 Months | 7.50% APR |
| Up to 36 Months | 8.99% APR |
| Up to 48 Months | 9.50% APR |
| Up to 60 Months | 9.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Career Training Certificate Loans
Career Training Certificate Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 5.99% APR |
| Up to 24 Months | 6.50% APR |
| Up to 36 Months | 7.99% APR |
| Up to 48 Months | 8.50% APR |
| Up to 60 Months | 8.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Family Loans
Family Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 7.99% APR |
| Up to 24 Months | 8.50% APR |
| Up to 36 Months | 9.99% APR |
| Up to 48 Months | 10.50% APR |
| Up to 60 Months | 10.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Wedding Loans
Wedding Loans
Effective as of February 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 7.99% APR |
| Up to 24 Months | 8.50% APR |
| Up to 36 Months | 9.99% APR |
| Up to 48 Months | 10.50% APR |
| Up to 60 Months | 10.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Home Loan Rates
Adjustable Rate Mortgages (ARMs)
Adjustable Rate Mortgages (ARMs)
Effective as of February 1, 2025.| Type of Adjustable Rate Mortgage | As Low As |
|---|---|
| Fixed Rate - First 3 years | 7.00% APR |
| Fixed Rate - First 5 years | 7.25% APR |
| Fixed Rate - First 7 years | 7.50% APR |
| APR = Annual Percentage Rate. Rates are adjusted quarterly after initial fixed rate period based on the Prime Rate +/- a margin. Stated rates reflect first mortgage lien position. Maximum rate is 18%. Maximum term is 30 years. Second position ARMs also available with maximum term of 15 years. Add .25% APR for second position. | |
Home Equity Loans
Home Equity Loans
Effective as of February 1, 2025.| Fixed Rate Products | As Low As |
|---|---|
| Up to 5 years | 6.00% APR |
| Up to 10 years | 6.25% APR |
| Up to 15 years | 6.50% APR |
| APR = Annual Percentage Rate. Rates are fixed for the life of the loan. Stated rate is based on certain creditworthiness criteria. Maximum rate is 18%. Add 0.25% APR for second position. | |
Home Equity Lines of Credit
Home Equity Lines of Credit
Effective as of February 1, 2025| Type of Home Equity Line of Credit | As Low As |
|---|---|
| Open-End Variable Rate | 7.25% APR |
| Interest Only | 7.25% APR |
| 3-Year Fixed Rate, Interest Only | 7.25% APR |
| APR = Annual Percentage Rate. Rate adjusted quarterly based on Prime Rate +/- a margin and based on first mortgage lien position. Stated rate is based on certain creditworthiness criteria. Maximum rate is 18%. Add 0.25% APR for second position. | |
Land Loans
Land Loans
Effective as of February 1, 2025| Loan Type | Term | As Low As |
|---|---|---|
| Land Loans* | Up to 5 Years | 7.00% APR |
| Up to 10 Years | 7.50% APR |
|
| Up to 15 Years | 7.75% APR | |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. * Rates are fixed for the life of the loan. |
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