online bill pay

Loan Rates

Rates accurate as of today

*All rates subject to change at any time

Credit Cards | Auto Loans | RV/Boat | Consumer Loans | Home Equity

We currently are not offering relationship discounts for loans.

Printable Version
Credit Cards    
Card Type
Grace Period for Purchases
Fees
APR
25 days
No Annual Fee
9.90% APR

CLICK HERE FOR MORE INFORMATION ON OUR VISA CARDS

Auto Loans and RV/Boat Loans    
Loan Type
APR
4.45%-8.90% APR
Depending on Beacon Score, loan to value and length of contract. Higher loan to values and longer terms increase rate.
4.45%-8.90% APR
Depending on Beacon Score, loan to value and length of contract. Higher loan to values and longer terms increase rate.
Variable Rate for Auto/RV/Boat
Ask us about a variable rate option
A variable rate may help you save money.

We currently are not offering relationship discounts for loans.

Rate determined by certain credit criteria, collateral and term of loan. Vehicles with 75,000 miles or more have a 1.00% higher rate. Minimum amounts apply to qualify for longer terms. Maximum APR is 10.90%.

CLICK HERE FOR MORE INFORMATION ON AUTO LOANS

Other Consumer Loans   
Loan Type
Term
APR
Unsecured
Up to 36 mos.
9.90%-12.25% APR
Unsecured Line of Credit
36 mos. base
9.90%-12.25% APR
New Consumer Goods
Up to 36 mos.
5.90%-10.90% APR 
Shared Secured
Up to 60 mos
Share Rate + 2.50% APR
Shared Certificate Secured
Cert. Term
Certificate Rate + 2.00% APR

New consumer goods include furniture, appliances, audio and video equipment, personal watercraft, garden tractors, snowmobiles, 4-wheelers. Must be new merchandise unless titled. A UCC financing statement is filed at borrower cost.

Home Equity Loans and Lines of Credit  
Loan Type
Term
APR
Up to 120 mos.
4.99%- 8.75% APR
 
3.75% APR*
Up to 120 mos.
Talk to MSO
 
13.90%-16.00% APR**

* VARIABLE RATE. Rate based on prime rate + .50% APR

** Annual fee of $12.00 first charged upon opening.Transfer/advance fee from loan of $2.00. For OD only, may not take advances other than ODs.Minimum monthly payment is $25; then 10% of balance, rounded up $5. Limits of $250 to $1,000; cannot exceed limit.