Consumer Loan Rates

Effective Date   April 18, 2024

*Rates are subject to change without notice.

Mortgage Loans

*On a 30 yr. conventional fixed mortgage for $100,000 with an interest rate of 7.000% (7.106%  APR) the principal and interest payment would be $665.30 per month.  

Loan Type	Rate	APR
30 yr Conventional Fixed	7.000%	7.106%
20 yr Conventional Fixed	6.875%	7.013%
15 yr Conventional Fixed	6.750%	6.921%
10 yr Conventional Fixed	7.875%	8.121%

Unsecured Consumer Loans

Unsecured Personal Loans Up To $15,000

*On a 5 yr, unsecured personal loan for $15,000 with an interest rate of 12.000% the principal and interest payment would be $333.67 per month.  

TERM	APR
Up to 36 months	10.000%
Up to 48 months	10.750%
Up to 60 months	12.000%

Checking Line of Credit up to $5,000

Term	APR
N/A	18.000%

Unsecured Above Ground Pool Loans up to $15,000

*On a 5 yr, unsecured pool loan for $15,000 with an interest rate of 8.500% the principal and interest payment would be $307.75 per month.

Term	Rate
5 years	Prime Rate*

Unsecured Home Improvement Loans – Up to $15,000 Must provide estimates.
All rates and terms quoted are for 1 – 2 unit owner occupied Maximum unsecured Home Improvement loan for $15,000. *On a 5 yr. Home Improvement for $15,000.00 with an interest rate of 9.500% (9.500%  APR) the principal and interest payment would be $315.03 per month.  

Term	Rate	Down Payment
60 months	9.500%	0%

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Consumer Secured Loans

Secured Auto Loans: New and Used Auto Rates 

*On a 6 yr, secured auto loan for $25,000 with an interest rate of 7.250% the principal and interest payment would be $429.23 per month.

YEAR	RATE	TERM
2024- 2023	7.250%	Up to 84 months
2022-2020	7.500%	Up to 72 months
2019-2018	7.750%	Up to 60 months
2017	8.250%	Up to 48 months
2016 or older	9.250%	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  8.250% the principal and interest payment would be $1,019.81 per month.

TERM	RATE	DOWN PAYMENT
48 months	8.000%	0%
60 months	8.250%	0%
72 months	9.000%	0%
84 months	9.500%	10%
96-120 months	9.750%	15%
144-180 months	10.750%	15%

Secured Snowmobiles, Motorcycles, ATV’s

*On a 5 yr, secured motorcycle loan for $10,000 with an interest rate of 9.000% the principal and interest payment would be $207.58 per month.

Term	Rate	Down Payment
up to 60 months	9.000%	0%

Secured Inground Pool Loans

*On a 10 yr, secured inground pool loan for $50,000 with an interest rate of 8.500% the principal and interest payment would be $619.93 per month.

Term	Rate
5 years	Prime Rate*
8 years	Prime Rate*
10 years	Prime Rate*
12 years	Prime Rate*

*Rate will be priced to current prime rate at the time of application and fixed at the time of closing.

Home Equity Lines of Credit – Prime +0
Closing Cost /fees are waived if line is maintained for three years. On a 15 Yr. HELOC for $100,000 with an interest rate of 8.250% (8.250% APR) the principal and interest payment would be $970.14 For complete terms and conditions please visit our Home Equity Line of Credit Page.

Term	Rate
25 Years	Prime + 0

Home Equity Loans (Fixed)

*On a 10 yr, Home Equity loan for $75,000 with an interest rate of 7.500% the principal and interest payment would be $890.26 per month.

Primary Residence

Term	Rate
10 years	1st Lien Prime - 1% 2nd Lien Prime - .25%
15 years	1st Lien Prime - .50% 2nd Lien Prime - .0%

Secondary Residence

Term	Rate
10 years	1st Lien Prime + 1% 2nd Lien Prime + 1.25%
15 years	1st Lien Prime + 1.50% 2nd Lien Prime + 2%

Cash Secured

Internal Seneca Savings Account

Term	Rate	Down Payment
60 months	3% above current savings/CD rate	0%

Outside Investment Account – Marketable Securities

Term	Rate	Down Payment
60 months	3% above current money market rate*	30%**