Rates as of April 13, 2026
Vehicle Loans
2026-2025** NEW / UNDER 7,000 MILES
| Auto APR* as low as | Motorcycle APR* as low as |
|
|---|---|---|
| Up to 36 Months | 4.49% | 4.99% |
| 48 Months | 4.74% | 5.49% |
| 60 Months | 4.99% | 5.74% |
| 72 Months | 5.24% | 6.24% |
| 84 Months*** | 5.74% | 6.74% |
2025 USED**
| Auto APR* as low as | Motorcycle APR* as low as |
|
|---|---|---|
| Up to 36 Months | 4.64% | 5.14% |
| 48 Months | 4.89% | 5.64% |
| 60 Months | 5.14% | 5.89% |
| 72 Months | 5.39% | 6.39% |
| 84 Months | 5.89% | 6.89% |
2024-2023**
| Auto APR* as low as | Motorcycle APR* as low as |
|
|---|---|---|
| Up to 36 Months | 4.74% | 5.24% |
| 48 Months | 4.99% | 5.74% |
| 60 Months | 5.24% | 5.99% |
2022 & Older**
| Auto APR* as low as | Motorcycle APR* as low as |
|
|---|---|---|
| Up to 36 Months | 4.99% | 5.49% |
| 48 Months | 5.24% | 5.99% |
| 60 Months | 5.49% | 6.24% |
*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 $18.87 per month per $1,000 borrowed for 60 months at 4.99% APR, based on a 2026 new vehicle.
Rates are subject to change without notice.
***To finance for 84 months, the vehicle must be a 2024 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 | 5.49% | 5.74% | 5.74% |
| 60 Months | 5.74% | 5.99% | 6.24% |
| 72 Months | 5.99% | 6.24% | 6.49% |
| 84 Months^ | 6.24% | 6.49% | 6.99% |
| 120 Months^^ | 6.49% | 6.74% | N/A |
| 144 Months^^ | 6.74% | 6.99% | N/A |
| 180 Months^^^ | 6.99% | 7.24% | 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 5.99% APR, based on a 2026 or 2025 new boat.
Rates are subject to change without notice.
^Minimum loan amount of $25,000 ^^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 | 5.99% | 6.49% |
| Up to 10 Years | 6.24% | 6.74% |
| Up to 15 Years | 6.49% | 6.99% |
| Up to 20 Years | 6.99% | 7.49% |
| Up to 30 Years | 7.24% | 7.74% |
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 | 5.99%* - 7.24%* |
| 5 Years - 30 Years up to 90% Tax Assessed Value | 6.49%* - 7.74%* |
Home equity loans are available for primary residences and second homes in Minnesota and Wisconsin. The above rates are based on 80% & 90% of the county tax-assessed property value.
**Payment example: Financing $35,000.00 for a 5-year term, based on up to 80% of the county tax-assessed property value at 5.99% APR, the monthly payment would be $676.81. ** Closing costs range from $0 to $2,000. Closing costs vary and are based on the loan amount and any 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.
An appraisal fee will be charged if needed to cover the 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 is calculated semi-annually and is subject to change on January 1 and July 1 each year.
Rates are subject to change without notice.