Interest Rates
Effective December 1, 2023
Rates and terms subject to change without notice.
Rates and terms subject to change without notice.
| Auto Loans | New or Used | ||
|---|---|---|---|
| Term | Min Loan Amt | APR1 | Est Mo Payment / $1,000 |
| ≤ 4 Years | $5,000 | 6.24% - 15.24% | $23.60 - $27.95 |
| 5 Years | $10,000 | 6.74% - 15.74% | $19.68 - $24.18 |
| 6 Years | $15,000 | 7.24% - 16.24% | $17.16 - $21.82 |
| 7 Years2 | $25,000 | 7.74% - 11.24% | $15.46 - $17.25 |
| Motorcycle Loans | New or Used | ||
|---|---|---|---|
| Term | Min Loan Amt | APR1 | Est Mo Payment / $1,000 |
| ≤ 4 Years | $5,000 | 7.74% - 16.74% | $31.22 - $35.53 |
| 5 Years | $10,000 | 7.74% - 16.74% | $24.30 - $28.73 |
| 6 Years | $15,000 | 8.24% - 17.74% | $20.40 - $24.99 |
| 7 Years | $25,000 | 7.24% - 10.74% | $17.17 - $18.91 |
| First-Time Buyer Auto Loans | Auto Loans | Motorcycle Loans | |||
|---|---|---|---|---|---|
| Term | Min Loan Amt | APR1 | Est Mo Pmt / $1k | APR1 | Est Mo Pmt / $1k |
| ≤ 4 Years | $5,000 | 7.24% - 16.24% | $24.06 - $28.46 | 7.24% - 16.74% | $24.29 - $28.72 |
| 5 Years | $10,000 | 7.74% - 16.74% | $20.15 - $24.71 | 8.24% - 17.24% | $20.39 - $24.98 |
| 6 Years | $15,000 | 8.24% - 17.24% | $17.65 - $22.38 | 8.74% - 17.74% | $17.90 - $22.66 |
| RV, Boat & Dirt Bike Loans | New or Used | ||
|---|---|---|---|
| Term | Min Loan Amt | APR1 | Est Mo Payment / $1,000 |
| ≤ 4 Years | $2,500 | 7.24% - 16.24% | $24.29 - $28.72 |
| 5 Years | $15,000 | 8.24% - 17.24% | $20.39 - $24.98 |
| 6 Years | $15,000 | 8.74% - 17.24% | $17.90 - $22.66 |
| 7 Years | $30,000 | 9.24% - 12.74% | $16.21 - $18.05 |
| 8 - 9 Years | $30,000 | 9.74% - 13.24% | $13.14 - $15.13 |
| 10 - 11 Years | $50,000 | 10.24% - 13.74% | $12.09 - $14.21 |
| 12 - 15 Years | $50,000 | 10.74% - 14.24% | $11.20 - $13.48 |
| Classic Auto Loans | |||
|---|---|---|---|
| Term | Min Loan Amt | APR3 | Est Mo Payment / $1,000 |
| ≤ 4 Years | $5,000 | 7.24% - 10.74% | $24.06 - $25.72 |
| 5 Years | $10,000 | 7.74% - 17.24% | $20.15 - $22.11 |
| 6 Years | $15,000 | 8.24% - 12.24% | $17.65 - $19.68 |
| 7 Years | $25,000 | 8.74% - 10.74% | $15.96 - $16.99 |
| Vehicle Value Loans | |||
|---|---|---|---|
| Term | Min Loan Amt | APR1,4 | Est Mo Payment / $1,000 |
| ≤ 4 Years | $5,000 | 6.24% - 15.24% | $23.60 - $27.96 |
| 5 Years | $10,000 | 6.74% - 15.74% | $19.68 - $24.19 |
| 6 Years | $15,000 | 7.24% - 10.74% | $17.17 - $18.91 |
1APR = Annual Percentage Rate. Rates are subject to change without notice, are based on creditworthiness, and may require a down payment. Maximum rate of 18%. An additional 0.25% discount is available with a down payment of at least 10%. Some restrictions apply. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. 2Teen Auto Loans available up to 6 years. Teen must be at least 16 years old to apply. Parent required on account and must meet credit qualifications. 3Certified appraisal required. 4Inspection may be required.
| Home Equity Lines of Credit | ||
|---|---|---|
| Interest-Only HELOC | Traditional HELOC | Traditional HELOC |
| Owner Occupied APR5,6 | Owner Occupied APR5 | Non-Owner Occupied APR5 |
| 8.75% - 11.00% | 8.50% - 13.50% | 9.50% - 11.50% |
| Home Equity Loans | ||
|---|---|---|
| Term | Owner Occupied APR5 | Non-Owner Occupied APR5 |
| ≤ 10 Years | 7.25% - 9.75% | 8.25% - 9.25% |
| 15 Years | 7.75% - 10.25% | 8.75% - 9.75% |
| 20 Years | 8.25% - 10.75% | |
Please visit our Mortgage Center for the most current rate information.
5APR = Annual Percentage Rate. Based on Prime Rate of 8.50% as of 7.26.23 plus a 0% to 5% margin and applicable LTV = rate, subject to creditworthiness. Floor rates range from 4% to 8%. There is no cap on Interest-Only HELOCs. Annual cap on Traditional HELOCs is 2%, and lifetime cap is 6%, above the fully indexed rate at the time of origination. Minimum loan amount is $25,000. Sample payment based on a $25,000 loan for 10 years at 9.25% APR would be $320.18. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply. 6Not available on non-owner occupied dwellings.
| Lines of Credit | ||
|---|---|---|
| Term | APR7 | Daily Periodic Rate |
| Revolving | 15.75% - 18.00% | 0.043150% - 0.049315 |
| Share-Secured Lines of Credit | ||
|---|---|---|
| Min Loan Amt | APR7 | Daily Periodic Rate |
| Secure 100% of amount borrowed | Share rate + 3% | 0.008356% |
| Signature Loans - including Quinceañera Loans | |||
|---|---|---|---|
| Term | Min Loan Amt | APR7 | Est Mo Payment / $1,000 |
| 2 Years | $250 | 10.00% - 15.00% | $45.15 - $48.50 |
| 4 Years | $2,500 | 11.00% - 16.00% | $25.85 - $28.35 |
| 5 Years | $5,000 | 12.00% - 17.00% | $22.25 - $24.86 |
| Certificate-Secured Loans | ||
|---|---|---|
| Term | Min Loan Amt | APR7 |
| Options up to 5 years8 | Secure 100% of amount borrowed | Certificate rate + 2% |
| Credit Builder Loans | |||
|---|---|---|---|
| Term | Min Loan Amt | APR7 | Est Mo Payment / $1,000 |
| 9 Months9 | $500 | 5.50% | $113.67 |
| 2 Years | $500 | 5.50% | $44.10 |
| 4 Years | $2,500 | 6.00% | $23.49 |
| 5 Years | $5,000 | 6.50% | $19.57 |
7APR = Annual Percentage Rate. 8Interest must be paid annually, if not on a repayment plan. Maximum loan amount based on creditworthiness and ability to repay. $1,000 minimum loan amount. Maximum rate of 18%. 9Teen Credit Builder Loans only – ages 16 to 17.
| Visa Credit Cards | |||
|---|---|---|---|
| Intro APR10,11 | Variable APR | Fixed APR | |
| Platinum | 2.90% | 15.25% - 18.00% | |
| Secured Platinum | 17.75% | ||
| Teen Platinum12 | 2.90% | 12.50% | |
10APR = Annual Percentage Rate. Variable rates based on Prime Rate of 8.50% as of 7.26.23 plus a 6.75% – 14.00% margin. 11Standard introductory period is six billing cycles. All rates based on creditworthiness. Variable rates change based on the Prime Rate plus a margin. Limits $1,000 to $50,000, $500 for Teens. $10 or 3% transaction fee on Balance Transfers and Cash Advances, whichever is greater. 1% foreign transaction fee. $25 penalty fee for late or returned payments. 12Teen must be at least 16 years old to apply. Parent required on account and must meet credit qualifications.