Consumer Loan Rates
Effective Date September 22, 2022
*Rates are subject to change without notice.
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Unsecured Consumer Loans
Unsecured Personal Loans Up To $5,000 *On a 5 yr, unsecured loan for $5,000 with an interest rate of 10.500% the principal and interest payment would be $107.47 per month.
| TERM | APR | |
|---|---|---|
| Up to 36 months | 8.500% | |
| Up to 48 months | 9.500% | |
| Up to 60 months | 10.500% |
Checking Line of Credit up to $3,000
Credit score of 650-699 eligible for a line up to $500. Credit score of 700 and higher eligible for a line up to $1,000. Application required. Underwriting required for Lines of Credit above $1,000
| Rate | APR |
|---|---|
| 15.000% | 15.000% |
Unsecured Home Improvement Loans – Up to $10,000 Must provide estimates.
All rates and terms quoted are for 1 – 2 unit owner occupied Maximum unsecured Home Improvement loan for $10,000. *On a 5 yr. Home Improvement for $10,000.00 with an interest rate of 8.250% (8.250% APR) the principal and interest payment would be $203.96 per month.
| Term | Rate | Down Payment |
|---|---|---|
| 60 months | 8.250% | 0% |
Consumer Secured Loans
Secured Auto Loans: New and Used Auto Rates *On a 5 yr, secured auto loan for $15,000 with an interest rate of 4.000% the principal and interest payment would be $276.25 per month.
| YEAR | RATE | TERM |
|---|---|---|
| 2023 - 2021 | 3.750% | Up to 72 months |
| 2020 | 4.250% | Up to 60 months |
| 2019 | 4.500% | Up to 60 months |
| 2018 | 4.750% | Up to 48 months |
| 2017 | 4.750% | Up to 48 months |
| 2016 or older | 5.000% | Up to 36 months |
New/Used Secured Boats, RV loans, and Hauling Trailers *On a 5 yr, secured RV loan for $50,000 with an interest rate of 6.250% the principal and interest payment would be $972.46 per month.
TERM RATE DOWN PAYMENT
48 months 6.000% 0%
60 months 6.250% 0%
72 months 6.500% 0%
84 months 6.750% 10%
96-120 months 8.000% 15%
Secured Snowmobiles, Motorcycles, ATV’s *On a 5 yr, secured motorcycle loan for $10,000 with an interest rate of 7.000% the principal and interest payment would be $198.01 per month.
| Term | Rate | Down Payment |
|---|---|---|
| up to 60 months | 7.000% | 0% |
Home Equity Lines of Credit – Prime +0
No closing costs up to $100,000. On a 15 Yr. HELOC for $100,000 with an interest rate of 6.250% (6.250% APR) the principal and interest payment would be $857.42 For complete terms and conditions please visit our Home Equity Line of Credit Page.
| Term | Current Prime + 0% |
|---|---|
| 25 Years | 6.250% |
Cash Secured
Loan secured by Seneca Savings account – Account Rate plus 3% – 100% of account balance
| Term | Rate | Down Payment |
|---|---|---|
| 60 months | 3% above current savings/CD rate | 0% |
