Consumer Loan Rates
Competitive rates on personal, auto, and other consumer loans for whatever you have planned next.
Rates effective as of: DATE
We reserve the right to change rates, terms, and conditions without notice. Subject to credit approval.
We reserve the right to change rates, terms, and conditions without notice. Subject to credit approval.
Auto Loans
New Vehicles
|
Term Months
|
Simple Interest Rate (As low as) | Annual Percentage Rate (APR) |
|---|---|---|
| up to 66 months | 6.74% | 7.077%* |
| 72 Months | 7.24% | 7.552%* |
Used VEHICLES
| Vehicle Year | Term Months | Simple Interest Rate (As low as) |
Annual Percentage Rate (APR) |
|---|---|---|---|
| 2018 - 2025 | 60 months | 6.99% | 7.353%* |
| 2018 - 2025 | 72 months | 7.24% | 7.548%* |
| 2017 & Older | 48 months | 9.49% | 9.943%* |
Rates shown are for applicants with credit scores of 720 or higher. Applicants with lower credit scores may have different terms available.
Payment Example:
An auto loan of $20,000 for 72 months at a rate of 7.24% and an APR of 7.552% would have a payment of $346.83. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $15.00 VSI Insurance fee. Higher rates available for used units and credit scores below 720.
*Example APRs based on a loan amount of $20,205.00. Loan amount is based on a $20,000 purchase price, $175 loan documentation fee and $30 additional non-APR fees.
Unsecured Personal Loans
| Credit Score |
Term Months |
Simple Interest Rate (As low as) | Annual Percentage Rate (APR) |
|---|---|---|---|
| 700+ | 36 | 13.50% | 14.732%* |
| < 700 | 36 | 14.50% | 15.740%* |
Rates shown are for applicants with credit scores of 700 or higher. Applicants with lower credit scores may have different terms available. All loans subject to approval.
Payment Example:
An unsecured loan of $10,000 for 36 months at a rate of 12.25% and an APR of 13.497% would have a payment of $339.34. $175.00 Loan Documentation fee financed. Higher rates available for credit scores below 700.
*Example APRs based loan amount of $10,175.00. Loan amount of $10,000 requested, plus a $175 loan documentation fee.
Motorcycle & ATV Loans
| Type |
Term Months |
Simple Interest Rate (As low as) | Annual Percentage Rate (APR) |
|---|---|---|---|
| New | 60 | 8.25% | 8.993%* |
| Used | 48 | 9.75% | 10.671%* |
Rates shown are for applicants with credit scores of 700 or higher. Applicants with lower credit scores may have different terms available. All loans subject to approval.
Payment Example:
A new motorcycle loan of $10,000 for 60 months at a rate of 8.25% and an APR of 8.993% would have a payment of $208.17. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $15.00 VSI Insurance fee. Higher rates available for used units and credit scores below 700.
*Example APRs based loan amount of $10,205.00. Loan amount is based on a $10,000 purchase price, $175 loan documentation fee and $30 additional non-APR fees.
Boat & Motorhome Loans
| Type |
Term Months |
Simple Interest Rate (As low as) | Annual Percentage Rate (APR) |
|---|---|---|---|
| New | 120 | 8.75% | 8.959%* |
| Used | 84 | 9.75% | 10.036%* |
Rates shown are for applicants with credit scores of 700 or higher. Applicants with lower credit scores may have different terms available. All loans subject to approval.
Payment Example:
A new Boat/Motorhome loan of $20,000 for 120 months at a rate of 8.75% and an APR of 8.959% would have a payment of $253.29. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $15.00 VSI Insurance fee. Higher rates available for used units and credit scores below 700.
*Example APRs based loan amount of $20,205.00. Loan amount is based on a $20,000 purchase price, $175 loan documentation fee and $30 additional non-APR fees.
Additional Terms for consumer Loans:
Minimum loan balance $1,000. Loan Documentation Fee of $175.00 on all Consumer Loans. If doc fee causes the APR to exceed the Usury Rate, reduce doc fee until APR is within Usury Rate. Applicants are eligible for a 0.25% rate reduction if the loan payment is set up on automatic deduction from a CSB deposit account. This 0.25% reduction does not apply to loans secured by CSB CD or Savings Accounts. All applications are welcome, contact a local expert to obtain rates and terms based on your creditworthiness.