GET IN THE KNOW

Loan Rates

Exploring your borrowing options? Take a look at our current loan rates below. We’ve laid them out clearly so you can compare terms and find what fits your plans. Loan rates are always subject to change. These rates were last updated in February 2026.

Personal Loans

Type of Loan	APR* as low as
Share Secured	2.05%
Signature to $15,000	10.99%
Holiday/Vacation to $3,000	7.99%
Debt Consolidation Loan to $15,000	9.99%
Overdraft Loan	14.99%

New Vehicle Loans 2024 - 2026

Term	Maximum Amount	APR* as low as
Up to 84 months	$80,000 maximum ($30,000 min for 72–84 mos)	7.99%
Up to 72 months	$80,000 maximum ($30,000 min for 72–84 mos)	5.99%

UNDERGRAD, GRADUATE, AND MORE

Looking for Student Loan Rates?

We partner with LendKey to offer affordable student loans that support your long-term success.

PRIVATE STUDENT LOAN RATES

STUDENT LOAN REFINANCE RATES

Used Vehicle Loans 2021 - 2023

Term	Maximum Amount	APR* as low as
Up to 72 months	$60,000 maximum ($30,000 min for 72 mos)	6.99%

Used Vehicle Loans 2019 - 2020

Term	Maximum Amount	APR* as low as
Up to 72 months	$40,000 maximum ($30,000 min for 72 mos)	7.99%

MORE AUTO FINANCING OPTIONS

Want to Finance an Older Vehicle?

Sometimes those cars just keep on running. If only we all could, eh? If you're looking for rates on a vehicle from 2018 or before, reach out to discuss your options.

Home Equity Line of Credit (HELOC)

Type	APR* as low as
Blended HELOC^	5.99%

^Max HELOC $250K, combined LTV up to 80%. Appraisal, recording and fees paid by the borrower. Unless specified, rates are variable and adjust monthly; terms up to 15 years. 100% LTV HELOC program available at higher rate (call for details).

110% MSRP Plus (taxes, warranty, insurance) for new autos
100% NADA Plus, (taxes, warranty, insurance) for used autos
Maximum mileage exceptions ( > 100,000 are allowed depending on year (2009 or newer), LTV (<75%) and credit quality (A,B,C,D). Add 2% to applicable rate
Recreation Vehicles/Boats/Motorcycles, add 3% over car loan rates. Max 80% LTV, 48 Mo max term
Dealership owned demos with less than 5,000 miles never registered can be considered new, any registered vehicle regardless of mileage cannot be considered new
Only unsecured loans of $10,000 and greater qualify for 5 year maximum term
C & D credit quality applicants are not eligible for Personal Lines of Credit
Heat loans must have Mass Save Certification
Debt consolidation loan checks must be made payable to creditor(s)
Full insurance with maxium $500.00 deductible required on collateralized loans.
Share and CD secured loans: 2% higher than dividend rate
D Credit must be paid by auto pay

All vehicle loans require full insurance coverage.

*APR = Annual Percentage Rate