Loan Rates
APR = Annual Percentage Rate
Rates are accurate as of 07/20/2026 and subject to change without notice.
Loans paid via direct deposit will receive a 0.50% discount off the APR. If direct deposit is discontinued, your APR will increase by 0.50% (excluding Stock-, Share- and Certificate-Secured, Overdraft Protection and Real Estate Loans).
Mortgage Rates
Equi-Fix℠ Home Equity Loan Rates
|
Term |
APR |
|---|---|
|
60 months |
6.25% |
|
120 months |
7.25% |
|
180 months |
8.75% |
|
As an example, a 60-month, 6.25% fixed rate home equity loan for $20,000 would result in 60 monthly payments of $389.11. |
|
Equi-Flex℠ Home Equity Line of Credit Rates
|
Term |
APR |
|---|---|
|
Revolving Line of Credit |
7.50% |
Auto Loan Rates, New and Used Cars
|
Term |
APR |
|---|---|
| 0-35 months |
6.50%* - 16.49% |
|
36-59 months |
7.00%* - 17.00% |
|
60-83 months |
7.50%* - 17.50% |
|
84+ months |
8.25%* - 17.99% |
|
As an example, a 4-year 7.00% fixed rate auto loan for $20,000 would result in monthly payments of $479.05. *Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR. | |
Boat or RV Loan Rates, New and Used Vehicles
|
Term |
APR |
|---|---|
|
Up to 35 months |
6.50%* - 16.49% |
|
36-59 months |
7.00%* - 17.00% |
|
60-83 months |
7.50%* - 17.50% |
|
84 months or more |
8.25%* - 17.99% |
|
As an example, a 4-year 7.00% fixed rate boat or RV loan for $20,000 would result in monthly payments of $479.05.
*Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR. |
|
Motorcycle Loan Rates, New and Used Vehicles
|
Term |
APR |
|---|---|
|
0-35 months |
6.50%* - 16.49% |
| 36-48 months | 7.00%* - 17.00% |
|
As an example, a 4-year 7.00% fixed rate motorcycle loan for $20,000 would result in monthly payments of $479.05.
*Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR. |
|
Signature Loan Rates
|
Term |
APR |
|---|---|
|
Up to 60 months |
8.99%* - 17.99% |
|
As an example, a 5-year 8.99% fixed rate signature loan for $20,000 would result in monthly payments of 415.21. *Not all borrowers will qualify for the lowest APR. |
|
Secured Loan Rates
|
Type |
Term |
APR |
|---|---|---|
|
Savings and Certificate Secured Loans |
Up to 48 months |
5.95% |
|
49-84 months |
6.25% |
|
|
85-120 months |
6.75% |
|
|
Stock Secured Loans** |
Up to 60 months |
9.05% |
|
As an example, a 5-year, 6.25% fixed rate savings and certificate secured loan for $20,000 would result in 60 monthly payments of $389.11.
As an example, a 3-year, 9.05% fixed rate stock secured loan for $20,000 would result in 36 monthly payments of $636.72.
**Stock Secured Loans of less than $15,000 have a maximum repayment term of 36 months. |
||
Overdraft Protection Line of Credit Rates
|
Term |
APR |
|---|---|
|
Revolving Line of Credit* |
16.00% |
|
*Minimum monthly payment is calculated by multiplying the balance on the last day of the month by 4%. The minimum monthly payment will never be less than $20.00. |
|
Holiday and Vacation Loan Rates
|
Type |
Term |
APR |
|---|---|---|
|
Holiday Loans |
Up to 12 months |
9.99% |
|
Vacation Loans |
Up to 12 months |
9.99% |
|
|
As an example, a 1.5-year, 9.95% fixed rate holiday or vacation loan for $5,000 would result in 12 monthly payments of $441.20.
Qside MasterCard Credit Card Rates
|
Card |
APR |
|
|---|---|---|
|
MasterCard Classic Credit Card |
12.9% |
|
|
MasterCard Platinum Credit Card |
8.9% |
|
|
| ||
