Rates as of June 18, 2025
Vehicle Loans
2025-2024** NEW
| Auto APR* as low as | Motorcycle APR* as low as |
|
|---|---|---|
| Up to 36 Months | 4.99% | 5.74% |
| Up to 48 Months | 5.24% | 6.24% |
| Up to 60 Months | 5.74% | 6.49% |
| Up to 72 Months | 5.99% | 6.74% |
| Up to 84 Months*** | 6.24% | 7.24% |
2024-2023**
| Auto APR* as low as | Motorcycle APR* as low as |
|
|---|---|---|
| Up to 36 Months | 5.24% | 5.99% |
| Up to 48 Months | 5.49% | 6.49% |
| Up to 60 Months | 5.99% | 6.74% |
| Up to 72 Months | 6.24% | 6.99% |
2022-2021**
| Auto APR* as low as | Motorcycle APR* as low as |
|
|---|---|---|
| Up to 36 Months | 5.49% | 6.24% |
| Up to 48 Months | 5.74% | 6.74% |
| Up to 60 Months | 6.24% | 6.99% |
2020 & Older**
| Auto APR* as low as | Motorcycle APR* as low as |
|
|---|---|---|
| Up to 36 Months | 5.74% | 6.49% |
| Up to 48 Months | 5.99% | 6.99% |
| Up to 60 Months | 6.49% | 7.24% |
*APR -Annual Percentage Rate. Quoted APR is the best Rate offered; the Rate may be higher depending on credit history, repayment term selected, amount financed, year, and vehicle mileage. Example of payment – pay $19.22 per month per $1,000 borrowed for 60 months at 5.74% APR based on a 2024 or newer vehicle.
Rates are subject to change at any time.
***To finance for 84 months, the vehicle must be a 2023 or newer with a minimum value and loan amount of $35,000. Mileage limitations apply.
Recreational Loans
| Boats, RV's & Travel Trailers APR as low as* | Waverunners, ATV, UTV, Snowmobile APR as low as* |
|
|---|---|---|
| Up to 48 Months | 5.99% | 5.99% |
| Up to 60 Months | 6.24% | 6.49% |
| Up to 72 Months | 6.49% | 6.74% |
| Up to 84 Months^ | 6.74% | 7.24% |
| Up to 120 Months^^ | 7.24% | N/A |
| Up to 144 Months^^ | 7.74% | N/A |
| Up to 180 Months^^^ | 8.24% | N/A |
*APR – Annual Percentage Rate. The actual Rate may be higher depending on credit history, repayment term, and collateral age. Example of payment – pay $16.81 per month per $1,000 borrowed for 72 months at 6.49% APR based on a 2024 or newer Boat.
Rates are subject to change at any time.
^Minimum loan amount of $20,000 ^^Minimum loan amount of $30,000 ^^^Minimum loan amount of $40,000
Unsecured Loans, Signature Loans &
Signature Line of Credit (LOC)**
| APR* as low as | |
|---|---|
| Up to 60 Months | 10.99% |
*APR – Annual Percentage Rate. The quoted Rate is the best Rate offered. The actual Rate may be higher based on credit history.
Home Equity Loans
Home Equity Loan
Fixed Rate* (LOC 2-year draw period)
| 80% LTV APR* as low as | 90% LTV APR* as low as |
|
|---|---|---|
| Up to 5 Years | 5.74% | 6.24% |
| Up to 10 Years | 5.99% | 6.49% |
| Up to 15 Years | 6.24% | 6.74% |
| Up to 20 Years | 6.74% | 7.24% |
| Up to 30 Years | 6.99% | 7.49% |
Home Equity Line of Credit (HELOC)**=
Variable Rate* (LOC 5-year draw period)
| APR* as low as | |
|---|---|
| 5 Years - 30 Years up to 80% Tax Assessed Value | 5.74%* - 6.99%* |
| 5 Years - 30 Years up to 90% Tax Assessed Value | 5.99%* - 7.49%* |
Home equity loans are available on primary residences and second homes in MN & WI. The above rates are based on 80% & 90% of the county tax-assessed property value.
**Payment example: Fiancing $35,000.00 for a 5-year term based on up to 80% of the county tax-assessed property value at 5.74% APR, the monthly payments would be $672.28. Closing costs range from $0.00 to $2,000.00; closing costs vary by loan amount and current promotions.
*APR – Annual Percentage Rate – Rate as low as. The actual Rate is based on the applicant’s credit history, property valuation used, and repayment term selected.
=Appraisal fee will apply if needed to accommodate valuation and loan amount.
+ The minimum Annual Percentage Rate (APR) Floor is 3.49%. The maximum APR is 18.00%. Based on the Prime Rate published in the Wall Street Journal, the APR calculation is subject to change semi-annually, on January 1 and July 1.
Rates are subject to change at any time.