APR = Annual Percentage Rate. Rates effective as of September 18, 2025.
Mortgage Rates Learn More
| Program Name | Interest Rate | APR | Payment |
|---|---|---|---|
| 15 YR FRM (15 Yr) | 6.500% | 6.656% | $1306.66 |
| Conventional (30Yr) | 6.875% | 6.975% | $985.39 |
| 5 YR ARM (30 Yr) | 6.3500%* | 6.417% | $933.35 |
| VA Loan (30 Yr) | Call or e- | mail for | best rate! |
| Rural Dev (30 Yr) | 7.000% | 7.711% | $1018.32 |
Payment calculations are based on Sale Amount: $187,500, 20% Down, $150,000 Loan Amount (Term indicated in product name). Rates are subject to change without notice. Payments do not include amounts for taxes and insurance premiums (if applicable) and your actual payment obligation will be greater. * initial rate - rate may change after consummation
Auto/Truck Loans
| Auto/Trucks | Credit Scores (&Fixed Rates) | |||
|---|---|---|---|---|
| Model Year | 740 Plus | 700-739 | 699 or Less | Maximum Term |
| 2026-2025 | 7.25% | 9.25% | 13.75% | 72 Months |
| 2024-2023 | 7.25% | 9.25% | 13.75% | 66 Months |
| 2022-2019 | 7.25% | 9.25% | 13.75% | 48 Months |
| 2018 & Older | 9.25% | 11.25% | 14.25% | 48 Months |
EXAMPLE: A $2,500.00 secured personal loan financed for 60 months at an interest rate of 12.00% = a monthly payment of $55.61
This information is a hypothetical estimate. This is not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are accurate as of today and are subject to change at any time without notice. You must submit an application to have your credit request considered. All loan applications are subject to credit approval.
Motorcycles
| Motorcycles | Credit Scores (& Fixed Rates) | |||
|---|---|---|---|---|
| Model Year | 740 Plus | 700-739 | 699 or Less | Maximum Term |
| 2026-2025 | 9.25% | 11.25% | 14.25% | 66 Months |
| 2024-2023 | 9.25% | 11.25% | 14.25% | 66 Months |
| 2022& Older | 9.25% | 11.25% | 14.25% | 48 Months |
EXAMPLE: A $10,000.00 secured personal loan financed for 60 months at an interest rate of 12.0000% would equal a payment of $222.44.
This information is a hypothetical estimate. This is not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are accurate as of today and are subject to change at any time without notice. You must submit an application to have your credit request considered. All loan applications are subject to credit approval.
Boats/Trailers/Travel Trailers/Campers/RV's
| Credit Scores & Fixed Rates | ||||
|---|---|---|---|---|
| Category | 740 Plus | 700-739 | 699 or Less | Maximum Term |
| New: $10,000 and over | 9.25% | 11.25% | 14.25% |
10 Years |
| New: Under $10,000 | 9.25% | 11.25% | 14.25% |
5 Years |
| Used | 9.25% | 11.25% | 14.25% |
5 Years |
EXAMPLE: A $10,000.00 secured personal loan financed for 60 months at an interest rate of 12.0000% would equal a payment of $222.44.
This information is a hypothetical estimate. This is not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are accurate as of today and are subject to change at any time without notice. You must submit an application to have your credit request considered. All loan applications are subject to credit approval.
Personal Loans/Home Improvement/Snowmobiles/Utility Trailers/Jet Ski
| Personal Loan, Home Improvement, Snowmobile, Lawn Tractor, Jet Ski, Utility Trailer (Over $2,500) | |||||
|---|---|---|---|---|---|
| Category | Credit Scores (& Fixed Rates) | Maximum Term | |||
| 740 Plus | 700-739 | 699-680 | 680/Less | ||
| Secured | 9.25% | 11.25% | 14.25% | 17.25% | 5 Years |
| Unsecured | 12.25% | 13.25% | 17.25% | 21.25% | 5 Years |
| Personal Loan, Home Improvement, Snowmobile, Lawn Tractor, Jet Ski, Utility Trailer ($1,500-$2,499) | |||||
| Secured | 17.25% | 18.25% | 18.25% | 18.25% | 5 Years |
| Unsecured | 18.25% | 21.25% | 21.25% | 21.25% | 5 Years |
EXAMPLE: A $10,000.00 secured personal loan financed for 60 months at an interest rate of 12.0000% would equal a payment of $222.44.
A $1500.00 unsecured personal loan financed for 60 months at an interest rate of 19.0000% would equal a payment of $38.91.
This information is a hypothetical estimate. This is not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are accurate as of today and are subject to change at any time without notice. You must submit an application to have your credit request considered. All loan applications are subject to credit approval.
Deposit Rates
APY = Annual Percentage Yield. Rates effective May 4, 2023. Fees may reduce earnings.
CD Rates/IRA Rates Learn More
| Term | Minimum Opening Deposit | Minimum Balance to Obtain Annual Percentage Yield | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| 6 month (N/A IRA) | $2,500.00 | $2,500.00 | .75% | .76% |
| 12 month | $500.00 | $500.00 | .95% | .97% |
| 15 month | $500.00 | $500.00 | 2.25% | 2.31% |
| 18 month | $500.00 | $500.00 | .95% | .97% |
| 24 month | $500.00 | $500.00 | .95% | .97% |
| 30 month | $500.00 | $500.00 | 1.25% | 1.28% |
| 31 month (One Time Rate Change Option) | $500.00 | $500.00 | 1.50% | 1.53% |
| 36 month | $500.00 | $500.00 | 1.20% | 1.22% |
| 48 month | $500.00 | $500.00 | .95% | .97% |
| 59 month | $500.00 | $500.00 | 1.85% | 1.89% |
| 60 month (One Time Rate Change Option) | $500.00 | $500.00 | .95% | .97% |
| 72 month | $500.00 | $500.00 | 2.00% | 2.05% |
A penalty may be imposed for early withdrawal.
Money Market Rates Learn More
| Daily Balance | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| Up to $2,499.99 | $2,500.00 | 0.00% | 0.00% |
| $2,500.00 - $4,999.99 | $2,500.00 | 0.00% | 0.00% |
| $5,000.00 - $9,999.99 | $2,500.00 | 0.00% | 0.00% |
| $10,000.00 - $39,999.99 | $2,500.00 | 0.10% | 0.10% |
| $40,000.00 - $9,999,999.00 | $2,500.00 | 0.10% | 0.10% |
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
Checking Rates
| Account Type | Minimum Opening Deposit | Minimum Balance* | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| 50+ Free Interest Checking With Rewards | $25.00 | $0.00 | 0.01% | 0.01% |
| VIP Free Interest Checking With Rewards | $25.00 | $0.00 | 0.01% | 0.01% |
| High Interest Checking (Balances up to $2,499.99) With Rewards |
$25.00 | $0.00 | 0.00% | 0.00% |
| High Interest Checking (Balances $2,500.00-$25,000) With Rewards |
$25.00 | $2,500.00 | 0.10% | 0.10% |
| High Interest Checking (Balances above $25,001) With Rewards |
$25.00 | $25,001 | 0.10% | 0.10% |
| Free Checking With Rewards | $25.00 | $0.00 | 0.00% | 0.00% |
*Daily balance. The amount of the principal in the account each day.
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
Savings Rates
| Account Type | Minimum Opening Deposit | Minimum Balance* | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Statement Savings | $10.00 | $10.00 | 0.10% | 0.10% |
*Daily balance. The amount of the principal in the account each day.
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.