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Rates

CONSUMER LOANS

All interest rates are effective as of April 18, 2014.

Personal LoansTermAnnual Percentage Rate (APR)
New Automobile1-36 months2.99%
New Automobile37-60 months3.24%
New Automobile61-72 months3.99%
Used Automobile
Model Years 2012 - Present1-60 months3.74%
Model Years 2010 - 20111-48 months4.24%
Model Years 2007 - 20091-36 months4.74%
Loan Secured by Liquid Collateral1-60 months3.74%
Loan Secured by Other Collateral1-48 months5.24%
Unsecured Loan $1,000 - $7,5001-84 months6.74%

APRs for new and used auto loans based upon 90% loan-to-value. For other loans, down payment requirements vary. The interest rate for your loan is based upon your creditworthiness. A $35 processing fee applies to unsecured loans.

At the Bank's discretion, interest rates may be subject to change at any time without notice.

With an APR of 2.99%, the monthly loan payment is $29.08 for $1,000 borrowed for a term of 36 months. Without automatic payment deduction, the APR is 3.24%.

With an APR of 3.24%, the monthly loan payment is $18.08 for $1,000 borrowed for a term of 60 months. Without automatic payment deduction, the APR is 3.49%.

With an APR of 3.99%, the monthly loan payment is $15.64 for $1,000 borrowed for a term of 72 months. Without automatic payment deduction, the APR is 4.24%.

With an APR of 3.74%, the monthly loan payment is $18.30 for $1,000 borrowed for a term of 60 months. Without automatic payment deduction, the APR is 3.99%.

With an APR of 4.24%, the monthly loan payment is $22.69 for $1,000 borrowed for a term of 48 months. Without automatic payment deduction, the APR is 4.49%.

With an APR of 4.74%, the monthly loan payment is $29.85 for $1,000 borrowed for a term of 36 months. Without automatic payment deduction, the APR is 4.99%.

With an APR of 5.24%, the monthly loan payment is $23.25 for $1,000 borrowed for a term of 48 months. Without automatic payment deduction, the APR is 5.74%.

With an APR of 6.74%, the monthly loan payment is $14.97 for $1,000 borrowed for a term of 84 months. Without automatic payment deduction, the APR is 6.99%. 

My Money Line - Personal Line of CreditAnnual Percentage Rate (APR)
My Money Line with Initial Draw of $2,500 or more8.50%
My Money Line Rate without Initial Draw9.00%

No down payment or collateral is required for this type of loan. Initial draw of $2,500 or more must be taken at the time of closing in order to qualify for the 8.50% APR. The introductory APR of 8.50% is fixed for the first six months of the line. Thereafter, the variable APR may increase or decrease monthly on the billing date based upon The Wall Street Journal Prime Rate plus 5.75%. As of April 1, 2014, the APR based upon Prime Rate plus 5.75% is 9.00%. The maximum APR is 18.00%. The interest rate for your line is based upon your creditworthiness. The credit line amount may vary from $2,500 to $200,000. This introductory offer may be modified or discontinued without notice. A processing fee of $35 applies.

 Click here for our calculators.

Equal housing Lender    Member FDIC

 

 

*With an APR of 4.99%, the monthly loan payment is $85.60 for $1,000 borrowed for a term of 36 months. Without automatic payment deduction, the APR is 3.24%.