Loan Rates

Home Equity Loans

Rates and yields are effective as of Monday, October 3, 2022.

Fixed Annual Percentage Rate Term of Loan
4.99% 36 months
5.24% 60 months
5.49% 84 months
5.74% 120 months
5.99% 180 months
6.99% 240 months
  • At 4.99%, the payment for each $1000 borrowed over a period of 36 months is $29.97 per month.
    For a $20,000 loan at 4.99% for 36 months, the payment would be $599.33 per month.
  • At 5.24%, the payment for each $1000 borrowed over a period of 60 months is $18.98 per month.
    For a $20,000 loan at 5.24% for 60 months, the payment would be $379.63 per month.
  • At 5.49%, the payment for each $1000 borrowed over a period of 84 months is $14.37 per month.
    For a $20,000 loan at 5.49% for 84 months, the payment would be $287.31 per month.
  • At 5.74%, the payment for each $1000 borrowed over a period of 120 months is $10.97 per month.
    For a $20,000 loan at 5.74% for 120 months, the payment would be $219.44 per month.
  • At 5.99%, the payment for each $1000 borrowed over a period of 180 months is $8.43 per month.
    For a $20,000 loan at 5.99% for 180 months, the payment would be $168.66 per month.
  • At 6.99%, the payment for each $1000 borrowed over a period of 240 months is $7.75 per month.
    For a $20,000 loan at 6.99% for 240 months, the payment would be $154.94 per month.

Residential Mortgages

Fixed Annual Percentage Rate Term of Loan
5.75% 180 months
6.00% 240 months
6.25% 360 months

  • At 5.75%, the payment for each $1000 borrowed over a period of 180 months is $8.30 per month.
    For a $100,000 loan at 5.75% for 180 months, the payment would be $830.41 per month.
  • At 6.00%, the payment for each $1000 borrowed over a period of 240 months is $7.16 per month.
    For a $100,000 loan at 6.00% for 240 months, the payment would be $716.43 per month.
  • At 6.25%, the payment for each $1000 borrowed over a period of 360 months is $6.16 per month.
    For a $100,000 loan at 6.25% for 360 months, the payment would be $615.72 per month.

Personal Installment Loans

Fixed Annual Percentage Rate Maximum Term
13%* 36 months

*For personal installment loans under $1000, the rate is 17% and requires a $10 application fee.

  • At 13%, the payment for each $1000 borrowed over a period of 36 months is $33.69 per month.
    For a $5000 loan at 13% for 36 months, the payment would be $168.47 per month.

New & Leftover Vehicle Loans

Fixed Annual Percentage Rate Maximum Term Downpayment Required
4.50% 60 months 25 %
  • At 4.50%, the payment for each $1000 borrowed over a period of 60 months is $18.64 per month.
    For a $20,000 loan at 4.50% for 60 months, the payment would be $372.86 per month.

Used Vehicle Loans

Vehicle Age: up to 2 years
Fixed Annual Percentage Rate 6.00 %
Maximum Term 48 months
Downpayment Required 30 %
Vehicle Age: up to 3 years
Fixed Annual Percentage Rate 7.00 %
Maximum Term 36 months
Downpayment Required 30 %
Vehicle Age: up to 4 years
Fixed Annual Percentage Rate 7.00 %
Maximum Term 24 months
Downpayment Required 30 %
Vehicle Age: up to 5 years
Fixed Annual Percentage Rate 8.00 %
Maximum Term 24 months
Downpayment Required 50 %

* It may be more economical to finance your vehicle with a home equity loan.

  • At 6.00%, the payment for each $1000 borrowed over a period of 48 months is $23.49 per month.
    For a $10,000 loan at 6.00% for 48 months, the payment would be $234.85 per month.
  • At 7.00%, the payment for each $1000 borrowed over a period of 36 months is $30.88 per month.
    For a $10,000 loan at 7.00% for 36 months, the payment would be $308.77 per month.
  • At 7.00%, the payment for each $1000 borrowed over a period of 24 months is $44.77 per month.
    For a $5,000 loan at 7.00% for 24 months, the payment would be $223.86 per month.
  • At 8.00%, the payment for each $1000 borrowed over a period of 24 months is $45.23 per month.
    For a $5,000 loan at 8.00% for 24 months, the payment would be $226.14 per month.