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.

TERMAPR 
Up to 36 months8.500%
Up to 48 months9.500%
Up to 60 months10.500%

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

RateAPR
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.  

TermRateDown Payment
60 months8.250%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.

YEARRATETERM
2023 - 20213.750%Up to 72 months
20204.250%Up to 60 months
20194.500%Up to 60 months
20184.750%Up to 48 months
20174.750%Up to 48 months
2016 or older5.000%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.

TERMRATEDOWN PAYMENT
48 months6.000%0%
60 months6.250%0%
72 months6.500%0%
84 months6.750%10%
96-120 months8.000%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.

TermRateDown Payment
up to 60 months7.000%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.

TermCurrent Prime + 0%
25 Years6.250%

Cash Secured
Loan secured by Seneca Savings account – Account Rate plus 3% – 100% of account balance

TermRateDown Payment
60 months3% above current savings/CD rate0%