MOTOR VEHICLES
Auto loan rates are based on the applicant's credit score, loan amount and term of loan.
  • Tier 1 - 726 or higher credit score.
  • Tier 2 - 725 or less credit score.
Vehicle Year Amortization Tier 1 Tier 2
2013 - 2015 up to 72 months 1.990% 3.000%
2011 - 2012 up to 60 months 3.000% 3.500%
2009-2010 up to 48 months 3.500% 4.000%
2008-Below up to 36 months 4.000% 5.500%
Sample Scenario (Based on Tier 1 credit score) (72 month) : A 6-year, $10,000 loan on a 2013-2015 model with a 2.161% APR would be 72 principal and interest payments of $147.47 per month. Rates are stated as Annual Percentage Rate (APR) and are effective as of March 1, 2015. Rates are subject to change without notice. Subject to credit approval.

Sample Scenario (Based on Tier 1 credit score) (60 month) : A 5-year, $10,000 loan on a 2013-2015 model with a 2.194% APR would be 60 principal and interest payments of $175.25 per month. Rates are stated as Annual Percentage Rate (APR) and are effective as of March 1, 2015. Rates are subject to change without notice. Subject to credit approval.

* Add 1% for model years 2013 or newer without auto pay from a Premier Account. Add 0.25% for model years 2012 or older without auto pay from a Premier Account.
BOAT | RV | MOTORCYCLE | SNOWMOBILES | ATV | MOTOR HOME

Model Year Amortization Interest Rate
2013 - 2015 up to 72 months 4.000%
2011 - 2012 up to 60 months 4.500%
2009-2010 up to 48 months 4.750%
2008-Below up to 36 months 5.000%
Rates are stated as Annual Percentage Rate (APR) and are effective as of March 1, 2015. Rates are subject to change without notice. Subject to credit approval. 

Add 0.25% without auto pay from a Premier Account.
HOME EQUITY LOANS (closed-end fixed)
Term Interest Rate Annual Percentage Rate
Up to 120 months 3.490% 3.509% APR*
*Annual Percentage Rates (APR) as of 3/1/2015 and are based on a $20,000 conforming loan and loan-to-value ratio of 100%. Homeowner's insurance required. Owner occupied dwellings only. Subject to credit qualification. Closing costs to be paid by borrower. Loans requiring an appraisal subject to $250-$400 appraisal fee.  No annual fees. Consult your tax advisor regarding the deductibility of interest.
Sample Scenario: 119 monthly payments of $197.72 beginning 12-1-2014 and one final payment of $197.00 on 11-1-2024.

Note: Payment examples do not include amounts for taxes and insurance, if applicable, and actual payments may be greater.
HOME EQUITY LOANS (closed-end variable | ARM)
Term Interest Rate Annual Percentage Rate
20 ARM 3.750% 3.871% APR*
*Annual Percentage Rates (APR) as of 3/1/2015 and are based on a $20,000 loan and loan-to-value ratio of 100%.

Loan is fixed for 10 years, then adjusts annually as tied to Prime Rate (currently 3.25%) as published in the Wall Street Journal, and will vary,  plus one-half percent  with a floor of 4.00%. Maximum APR is 10%. 20-year term up to 100% loan-to-value ratio. Homeowner’s insurance required. Owner occupied dwellings only. Subject to credit qualification.  Closing costs to be paid by borrower.  Loans requiring an appraisal subject to $250-$400 appraisal fee. No annual fees. Consult your tax advisor regarding the deductibility of interest.

Sample Scenario : 119 monthly payments of $118.61 beginning 08-10-2014  and 119 monthly payments of 121.44 beginning 08-10-2024 and 1 payment of 121.30 on 07-10-2034.

Note: Payment examples do not include amounts for taxes and insurance, if applicable, and actual payments may be greater.

HOME EQUITY LINE OF CREDIT (open-end)
Term Annual Percentage Rate
120 months 3.50% APR*

*Annual Percentage Rate (APR) available for a limited time. Loan is tied to Prime Rate (currently 3.25%) as published in the Wall Street Journal, and will vary, minus one-half percent with a floor of 3.50%. Maximum APR is 10%. Ten-year term up to 100% loan-to-value ratio. Homeowner’s insurance required. Owner occupied dwellings only. Subject to credit qualification. Loans requiring an appraisal subject to $250-$400 appraisal fee. No annual fees. Consult your tax advisor regarding the deductibility of interest.

Note: Loan requires monthly interest only payments that will be calculated on the amount of the current outstanding balance.