Fixed, variable & vehicle loan rates


Rates current as of July 1, 2025.
Fixed Rate Auto & Truck Loans
Term** Rate (New Purchase) Rate (Used or Refinance)
12 Months 5.49% APR* 5.49% APR*
24 Months 5.49% APR*
 5.49% APR*
36 Months 5.49% APR*
 5.49% APR*
48 Months 5.49% APR*
 5.49% APR*
60 Months 5.49% APR*
 5.49% APR*
72 Months 5.49% APR* 5.49% APR* 
84 Months 5.89% APR* NA
Payment example: A 60 month $25,000 fixed rate secured new auto loan at 5.49% APR* has an approximate monthly payment of $477.41.

Rates current as of July 1, 2025.
Fixed Rate Secured Loans
(Includes boat, trailer, travel trailer, motorcycle or stock loans)
Term** Rate
12 Months 7.39% APR*
24 Months 7.39% APR*
36 Months 7.39% APR*
48 Months 7.49% APR*
60 Months 7.59% APR*
72 Months 7.79% APR*
120 Months 8.59% APR*
Payment example: A 60 month $20,000 fixed rate secured loan at 7.59% APR* has an approximate monthly payment of $401.61.

For credit card consolidation, vacations or other special purpose loans. Rates current as of July 1, 2025.
Personal Loans - No Security Required
Term** Rate
12 Months 11.99% APR*
24 Months 11.99% APR*
36 Months 11.99% APR*
48 Months 11.99% APR*
60 Months 11.99% APR*
Payment example: A 60 month $10,000 no security required personal loan at 11.99% APR* has an approximate monthly payment of $222.39. 

Rates current as of July 1, 2025.
Variable Rate Secured Loans
(Includes boat, trailer, travel trailer, motorcycle, autos or stock loans)
Approximate Term** Rate
Approximate 60 Months 6.50% APR*
Approximate 108 Months
6.50% APR*
Payment example: A 108 month $10,000 variable rate secured loan at 6.50% APR* has an approximate monthly payment of $122.55. Rate subject to change and may increase quarterly. Maximum rate 18% APR*

2.8% of principal balance owed on the billing date (minimum payment of $28). Can be used for overdraft protection.
Rate current as of July 1, 2025.
Variable Rate Unsecured Line of Credit
Type Rate
Variable rate (subject to change quarterly)
 16.00% APR*
Rate subject to change and may increase quarterly. Maximum rate 18% APR*.


* APR = Annual Percentage Rate.
**The loan term will be based upon the dollar amount of the loan and the age and type of collateral.