Consumer Loan Rates

Effective Date  March 23, 2023

*Rates are subject to change without notice.

We’re walking this journey with you.

Unsecured Consumer Loans

Unsecured Personal Loans Up To $10,000  *On a 5 yr, unsecured loan for $10,000 with an interest rate of 10.500% the principal and interest payment would be $236.61 per month.

TERMAPR 
Up to 36 months8.500%
Up to 48 months9.500%
Up to 60 months10.500%
Credit score of 650-699 is eligible for an unsecured loan up to $2500. Credit score of 700-750 is eligible for an unsecured loan up to $3,500. Credit score of 751 or higher is eligible for an unsecured loan up to $5,000. Loans ranging from $5,001 - $10,000 are subject to underwriting.
Application is required.

Checking Line of Credit up to $5,000
Credit score of 650-699 eligible for a line up to $500. Credit score of 700-750 eligible for a line up to $2,500 and credit score of 750 or higher eligible for a line up to $5,000. Application required.

RateAPR
15.000%15.000%

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 8.250% (8.250%  APR) the principal and interest payment would be $305.94 per month.  

TermRateDown Payment
60 months8.250%0%


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 6.750% the principal and interest payment would be $423.23 per month.

YEARRATETERM
2023 - 20216.750%Up to 72 months
20207.000%Up to 60 months
20197.000%Up to 60 months
20187.500%Up to 48 months
20177.500%Up to 48 months
2016 or older8.500%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.

TERMRATEDOWN PAYMENT
48 months8.000%0%
60 months8.250%0%
72 months9.000%0%
84 months9.500%10%
96-120 months9.750%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.

TermRateDown Payment
up to 60 months9.000%0%

 

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.

TermCurrent Prime + 0%
25 Years8.250%

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%