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Monday, May 30, 2022, in observance of Memorial Day

 

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Rates as of May 17, 2022      
                                              Auto                                Motorcycle      
2022 - 2021**                       APR* as low as                             APR* as low as      
Up to 36 Months                        2.49%                                           2.99%           
Up to 48 Months                        2.74%                                           3.24%            
Up to 60 Months                        2.99%                                           3.49%         
Up to 72 Months                        3.24%                                           3.74%             
Up to 84 Months***                    3.99%                                           4.49%         
       
2020 - 2019**                       APR* as low as                              APR* as low as      
Up to 36 Months                        2.74%                                           3.24%             
Up to 48 Months                        2.99%                                           3.49%              
Up to 60 Months                        3.24%                                           3.74%             
Up to 72 Months                        3.49%                                           3.99%             
Up to 84 Months                        4.24%                                           4.74%      
       
2018 - 2017**                        APR* as low as                               APR* as low as      
Up to 36 Months                        2.99%                                           3.49%               
Up to 48 Months                        3.24%                                           3.74%              
Up to 60 Months                        3.49%                                           3.99%               
       
2016 - 2015**                          APR* as low as                             APR* as low as       
Up to 36 Months                        3.24%                                           3.74%      
Up to 48 Months                        3.49%                                           3.99%      
Up to 60 Months                        3.74%                                           4.24%      
       
2014 & Older**                      APR* as low as                            APR* as low as      
Up to 36 Months                        3.49%                                           3.99%               
Up to 48 Months                        3.74%                                           4.24%               
*APR is Annual Percentage Rate

**APR as low as - Actual rate may be higher depending on credit history, repayment term, age, and vehicle mileage. Example of payment - pay $17.97 per month per $1,000 borrowed for 60 months at 2.99% APR based on a 2021 or newer vehicle.

Rates are subject to change at any time.

***To finance for 84 months, the vehicle must be within three years new with a minimum value and loan amount of $35,000. Maximum LTV is 100% of NADA Retail Value. 

     
Recreational**                                                      
                            Boats, RV's & Travel Trailers       Waverunners, ATV, UTV, Snowmobile       
                                         APR* as low as                                       APR* as low as      
Up to 48 Months                     3.74%                                                  4.24%              
Up to 60 Months                     3.74%                                                  4.49%            
Up to 72 Months                     3.74%                                                  4.74%              
Up to 84 Months^                   4.24%                                                  4.99%            
Up to 120 Months^^               4.99%                                                   N/A            
Up to 144 Months^^               5.24%                                                   N/A      
Up to 180 Months^^^             5.49%                                                   N/A              

*APR is Annual Percentage Rate 

**APR as low as - Actual rate may be higher depending on factors such as credit history, repayment term, and age of collateral. Example of payment - pay $15.53 per month per $1,000 borrowed for 72 months at 3.74% APR based on a 2021 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 36 Months                                                                           11.00%      
**APR as low as - Actual rate may be higher. Rate based on credit history.       
       
Home Equity Loans / 2nd Mortgages^               NMLS# 1653541      
       
Home Equity Loan**=                                    HELOC (Home Equity Line of Credit)          
Fixed-Rate* (LOC - 2 year draw period)            80% LTV     90% LTV    APR* as low as      
Up to 5 Years                                                         3.49%*       3.74%*    *  
Up to 10 Years                                                       3.99%*       4.74%*      
Up to 15 Years                                                       4.24%*       4.99%*      
Up to 20 Years                                                       4.99%*       5.49%*      
Up to 30 Years                                                       5.24%*       5.74%*      
       
Home Equity LOC**=                                       HELOC (Home Equity Line of Credit)      
Variable Rate*+ (LOC - 5 year draw period)                     APR* as low as      
Up to 20 Years                                                                            3.49%*      

^Home equity loans are available on primary residences and second homes located in MN & WI only.

**Payment example: $35,000.00 loan with a 5-year term up to 90% of County tax assessed property value at 3.49% APR, monthly payments would be $636.59. 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. Actual rate based on applicant's credit history, property valuation used, and repayment term selected.

=Appraisal fee may apply if needed to accommodate valuation and loan amount.

+Minimum Annual Percentage Rate (APR) Floor of 3.49%. The maximum APR is 18.00%. APR calculation is subject to change semi-annually, January 1 and July 1, based on the Prime Rate as published in the Wall Street Journal. The current rate offered on the variable-rate HELOC is below the Floor rate.   

Rates are subject to change at any time. 

     
Certificate of Deposit Secured  +2.50%                 Minimum Rate 3.00%