Unlock the purchasing power of credit with a low fixed rate
Use the security of Visa® to have the freedom of spending you want, with no annual fees or balance transfer fees.
Benefits You’ll Love
- Competitvely low fixed rates
- No annual fees or balance transfer fees
- No unexpected or unfair rate increases
- Enjoy a 25-day interest-free grace period
- Fixed rate as low as 8.9% APR1
- No annual fees
- No unfair rate hikes
- No balance transfer fees
- Accepted worldwide
- 25-day, interest-free grace period
- Fraud protection for enhanced peace of mind
- No cash advance fee
- Cash advance rate same as purchase rate
Needing to build your credit? We have secured credit cards available. Contact us for additional information.
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1APR= Annual Percentage Rate. APR is based upon credit worthiness.
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Term | APR |
|---|---|
| Up to 36 Months | 5.49% - 19.74% |
| 37 - 48 Months | 5.49% - 19.74% |
| 49 - 60 Months | 5.49% - 19.74% |
| 61 - 72 Months | 5.99% - 13.99% |
| 73 - 84 Months | 6.49% - 14.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.
Consolidation Loans
| Term | APR |
| 36 Months | 10.99% - 13.99% |
| 48 Months | 10.99% - 13.99% |
| 60 Months | 11.49% - 14.49% |
| 72 Months | 11.99% - 14.99% |
Fixed Home Equity Loans - 1st Position
| Term | Rate |
|---|---|
| 10 Years | 7.00% - 9.00% |
| 15 Years | 7.25% - 9.25% |
*Rate may vary based on credit history and other qualifications.
Fixed Home Equity Loans - 2nd Position
| Term | Rate |
|---|---|
| 10 Years | 7.25% - 9.25% |
| 15 Years | 7.50% - 9.50% |
*Rate may vary based on credit history and other qualifications.
Holiday Loans
| Term | APR |
| 12 Months | Available Nov 1 - Dec 31 |
| 24 Months |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
Home Equity Lines of Credit
| LTV | 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<590 Credit Score |
No Score |
|---|---|---|---|---|---|---|---|
| <60% | Index* | Index* | Index* + 1.00% | Index* + 2.00% | N/A | N/A | Index* + 4.00% |
| 60% - 69% | Index* | Index* | Index* + 1.00% | Index* + 3.00% | N/A | N/A | Index* + 5.00% |
| 70% - 80% | Index* | Index* | Index* + 1.00% | Index* + 4.00% | N/A | N/A | Index* + 6.00% |
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate Floor Rate - 3.90% Prime Rate – 7.75%
*Rate may vary based on credit history and other qualifications.
Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $9,999.99 | 1.00% | 1.00% |
| $10,000 - $24,999.99 | 1.25% | 1.26% |
| $25,000 - $49,999.99 | 1.25% | 1.26% |
| $50,000 - $99,999.99 | 1.50% | 1.51% |
| $100,000+ | 2.00% | 2.02% |
Personal Line of Credit
| 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<589 Credit Score |
|---|---|---|---|---|---|
| Prime* + 2.5% | Prime* + 4.00% | Prime* + 5.00% | Prime* + 7.00% | Prime* + 13.00% | Prime* + 13.00% |
*Rate may vary based on credit history and other qualifications.
Floor Rate is 4.90%. Prime Rate is 7.75%
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate
Personal Term Loans (Unsecured/Signature)
| Term | APR |
|---|---|
| 24 Months | 9.99% - 20.24% |
| 36 Months | 9.99% - 20.24% |
| 48 Months | 10.49% - 20.74% |
| 60 Months | 10.99% - 21.24% |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
Recreational Vehicles (2012 & Older)
| Term | APR |
|---|---|
| Up to 60 Months | 7.99% - 18.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.
Recreational Vehicles (2013 & Newer)
| Term | APR |
|---|---|
| 24 - 48 Months | 6.99% - 20.99% |
| 49 - 60 Months | 6.99% - 20.99% |
| 61 - 72 Months | 7.49% - 16.24% |
| 73 - 84 Months | 7.74% - 10.74% |
| 85 - 96 Months | 7.99% - 10.99% |
| 97 - 120 Months | 8.49% - 11.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit.Based upon past credit history. All rates are subject to change without notice.
Share Accounts
| Product | Dividend Rate | APY |
|---|---|---|
| Power Shares | 0.05% | 0.05% |
| Christmas Club | 0.10% | 0.10% |
| Escrow | 0.10% | 0.10% |
| Secondary Shares | 0.10% | 0.10% |
| IRA Shares | 0.20% | 0.20% |
Share Certificates
| Term & Balance | Dividend Rate | APY |
|---|---|---|
| 6 Month ($500 - $49,999.99) | 4.00% | 4.06% |
| 6 Month ($50,000+) | 4.10% | 4.16% |
| 6 Month Youth CD ($50 - $49,999.99) | 4.00% | 4.06% |
| 6 Month Youth CD ($50,000+) | 4.10% | 4.16% |
| 1 Year ($500 - $49,999.99) | 3.80% | 3.86% |
| 1 Year ($50,000+) | 3.90% | 3.96% |
| 1 Year Youth CD ($50 - $49,999) | 3.80% | 3.86% |
| 1 Year Youth CD ($50,000+) | 3.90% | 3.96% |
| 2 Years ($500 - $49,999.99) | 3.60% | 3.65% |
| 2 Years ($50,000+) | 3.70% | 3.75% |
| 3 Years ($500 - $49,999.99) | 3.20% | 3.24% |
| 3 Years ($50,000+) | 3.30% | 3.34% |
| 4 Years ($500 - $49,999.99) | 3.20% | 3.24% |
| 4 Years ($50,000+) | 3.30% | 3.34% |
| 5 Years ($500 - $49,999.99) | 3.20% | 3.24% |
| 5 Years ($50,000+) | 3.30% | 3.34% |
Minimum Balance is $500 for adult depositors and $50 for Youth (18 and under). All rates are subject to change. Share certificates can be set up to auto renew. Early withdrawal penalties apply. We will match local competitor certificate rates up to .25% based on published equivalent terms and balances. Ask a representative for availability and details.
Promotional certificates are not eligible for auto renewal.
VISA Credit Cards
| 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<589 Credit Score |
|---|---|---|---|---|---|
| 8.90% | 10.40% | 11.40% | 13.40% | 17.40% | 18.00%** |
**Secured VISA® Only.
*Rate may vary based on credit history and other qualifications.
