Live Chat
close mobile menu
Online Banking Login Login
 

Loan Rates

Home > Learn > Rates > Loan Rates
- A A A +

Loan Rates

Loan Rates

Auto, Boat, RVs and Motorcycles Rates
Effective Date: Monday, November 23rd, 2020
TypeNote RateAPRPayment Example
New Vehicles 12-36 Months 2.50% special* $432.92
2019 - 2020 37-60 Months 3.75% special* $274.56
  61-72 Months 4.00% special* $234.68
  73-84 Months 4.50% special* $208.50
Used Vehicles 12-36 Months 2.50% special* $432.92
2016 - 2019 37-60 Months 3.75% special* $274.56
  61-72 Months 4.00% special* $234.68
  73-84 Months 4.50% special* $208.50
Used Vehicles 36 Months 4.75% $447.88
2012 - 2015 48 Months 4.75% $343.74
  60 Months 5.50% $286.52
Used Vehicles 2011 36 Months 4.75% $447.88
New Motorcycles 12-36 Months 2.50% special* $432.92
2019 - 2020 37-60 Months 3.75% special* $274.56
  61-72 Months 4.00% special* $234.68
  73-84 Months 4.50% special* $208.50
Used Motorcycles 12-36 Months 2.50% special* $432.92
2016 - 2019 37-60 Months 3.75% special* $274.56
  61-72 Months 4.00% special* $234.68
  73-84 Months 4.50% special* $208.50
Used Motorcycles 36 Months 4.75% $447.88
2012 - 2015 48 Months 4.75% $343.74
  60 Months 5.50% $286.52
Used Motorcycles 2011 36 Months 4.75% $447.88
*APR is Annual Percentage Rate. Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. No other discounts may be applied. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2010 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $10,000 loan for highest term listed in range. Auto Loan Example: $10,000 at 2.50% for 36 months. Monthly payment is $288.61 with total finance charges of $390.09 and total repayment of $10,390.09 *To determine your exact payment, click here to use our Auto Loan Calculator.

First Mortgages
Effective Date: Monday, November 23rd, 2020
TermNote RateAPRPointsPayment Example
10 Years 2.125% 2.35 0 $1,990.35
15 Years 2.250% 2.40 0 $1,408.43
20 Years 2.500% 2.62 0 $1,139.29
25 Years 2.625% 2.72 0 $978.12
30 Years 2.625% 2.71 0 $863.55
5/1 ARM 2.000% 2.08 0 $794.68
7/1 ARM 2.125% 2.20 0 $808.19
APR is Annual Percentage Rate. Rates may vary according to credit worthiness and are subject to change without notice. *All payment examples are based upon a $150,000 loan. *To determine your exact payment, click here to use our Mortgage Calculator.

Home Equity
Effective Date: Monday, November 23rd, 2020
NameAPR
*1.99% introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOC) with an 80% loan-to-value (LTV) or less. The APR is based on the person's credit worthiness. Offer is available for new applications submitted and is for a limited time only. The introductory APR will remain fixed for the first 6 months and will begin on the date the HELOC is opened. After the introductory period, the APR becomes variable and adjusts based on the Prime Rate (the index) as published in the Wall Street Journal. As of March 16, 2020 the prime rate was 3.25%. Lifetime APR will not exceed 18% and will not go below 3%. Loans are subject to approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required.  Customer pays no closing costs or appraisal fee. Consult a tax advisor regarding the deductibility of interest.

Other Loans
Effective Date: Monday, November 23rd, 2020
Loan TypeAPR
Personal 12.50%
Partially Secured (over 50% collateral) 11.50%
Fully Secured
Stock 50% LTV 7.50%
Savings 5.20%
CD 3.00% + CD Rate
APR is Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Maximum loan amount $5,000. Maximum term for top credit only, 36 months. Personal Unsecured Loan Example: $5,000 at 12.50% for 36 months. Monthly payment is $167.27 with total finance charges of $1,021.64 and total repayment of $6,021.64. Payment example does not include taxes and insurance. Actual payment amount may be greater. All loans subject to approval.

Visa Credit Cards
Effective Date: Monday, November 23rd, 2020
TypeAPR*Additional Information
Rewards Platinum 11.99%-21.99% Terms and Conditions
Cash Rewards Platinum 14.99%-24.99% Terms and Conditions
Signature Travel 14.99%-20.99% Terms and Conditions
Platinum Edition 10.99% to 20.99% Terms and Conditions
Small Business Rewards 13.99%-22.99%3 Terms and Conditions
Small Business Cash Rewards 15.99%-25.99% Terms and Conditions
Small Business Edition 12.99%-22.99% Terms and Conditions
Company Rewards Charge Card Pay in full Terms and Conditions
APR is Annual Percentage Rate. Terms and conditions apply. Rates may vary according to credit worthiness and are subject to change without notice. Variable rates, fees and terms are subject to change. Credit Cards are issued and serviced by TCM Bank, N.A., pursuant to a license from Visa U.S.A., Inc.