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Lending Rates

Explore lending rates for our various loan products.

Adjustable Rate Mortgages

The rates shown are based on a $250,000 loan up to the maximum term length for a single family home. Payments represent principal and interest only; taxes and insurance are not included. Therefore, the actual payment obligation will be greater.

Loan typeLoan-to-valueRates (APR1,2,3) as low asMonthly payment
5-Year ARM†Loan-to-value80% or lessRates (APR1,2,3) as low as5.500% (5.745% APR)Monthly payment$1,419.46 (years 1-5)
$1,454.19 (years 6-30)
5-Year ARM†Loan-to-value80.01 - 90%Rates (APR1,2,3) as low as5.825% (6.176% APR)Monthly payment$1,470.85 (years 1-5)
$1,531.27 (years 6-30)
5-Year ARM†Loan-to-value90.01 - 100%Rates (APR1,2,3) as low as6.150% (6.605% APR)Monthly payment$1,523.07 (years 1-5)
$1,610.26 (years 6-30)
First-Time Homebuyer's (5-Year ARM†)Loan-to-value100%4Rates (APR1,2,3) as low as6.150% (6.605% APR)Monthly payment$1,523.07 (years 1-5)
$1,610.26 (years 6-30)
†Maximum term of 30 years

Disclosures

Fixed Rate Mortgages

These rates are based on a $250,000 loan up to the maximum term length for a single family home. Payments represent principal and interest only; taxes and insurance are not included. Therefore, the actual payment obligation will be greater.

Loan typeLoan-to-valueRates (APR1,2) as low asMonthly payment
10-Year Fixed RateLoan-to-value90% or lessRates (APR1,2) as low as5.300% (5.518% APR)Monthly payment$2,688.45
10-Year Fixed RateLoan-to-value90.01 - 95%Rates (APR1,2) as low as5.500% (5.719% APR)Monthly payment$2,713.14
15-Year Fixed RateLoan-to-value90% or lessRates (APR1,2) as low as5.500% (5.654% APR)Monthly payment$2,042.70
15-Year Fixed RateLoan-to-value90.01 - 95%Rates (APR1,2) as low as5.800% (5.955% APR)Monthly payment$2,082.72
20-Year Fixed RateLoan-to-value90% or lessRates (APR1,2) as low as6.200% (6.325% APR)Monthly payment$1,820.03
20-Year Fixed RateLoan-to-value90.01 - 95%Rates (APR1,2) as low as6.750% (6.878% APR)Monthly payment$1,900.91
30-Year Fixed RateLoan-to-value90% or lessRates (APR1,2) as low as6.500% (6.596% APR)Monthly payment$1,580.15

Disclosures

Lines of Credit

HELOC

Loan typeAPR1,5 as low as
Home Equity Line of CreditAPR1,5 as low as6.75%6*
*New lines of credit available for initial APR of 6.75% until the first quarterly rate change based on current index rate and margin. Future rates and payments determined by adding a margin of 2.25% to the index.

Visa® credit cards

Loan typeAPRrange
Cash Rewards Visa Credit CardAPRrange15.00% - 18.00%7*
Points Rewards Visa Credit CardAPRrange15.00% - 18.00%7*
Classic Visa Credit CardAPRrange12.00% - 15.00%7*
*Cash Advances have a fixed APR of 18.00%.7

Open-End Signature Loan

Loan typeAPR1 range
Open-End SignatureAPR1 range12.25% - 15.25%5,6

Salary Advance Loans

Loan typeAPR1,5 as low as
Salary Advance (cash account > $500)APR1,5 as low as9.75%6
Salary Advance (cash account < $500)APR1,5 as low as16.25%6

Disclosures

 New auto loans

TermAPR1,5 range
36 monthsAPR1,5 range5.00% - 7.50%
48 monthsAPR1,5 range5.25% - 7.75%
60 monthsAPR1,5 range5.50% - 8.00%
72 monthsAPR1,5 range5.75% - 8.25%
84 monthsAPR1,5 range6.50% - 9.00%
96 monthsAPR1,5 range7.25% - 9.75%

Disclosures

 Used auto loans

0-5 years old

TermAPR1,5 range
36 monthsAPR1,5 range5.50% - 8.50%
48 monthsAPR1,5 range5.75% - 8.75%
60 monthsAPR1,5 range6.00% - 9.00%
72 monthsAPR1,5 range6.25% - 9.25%

6-10 years old

TermAPR1,5 range
36 monthsAPR1,5 range6.50% - 9.50%
48 monthsAPR1,5 range6.75% - 9.75%
60 monthsAPR1,5 range7.00% - 10.00%
72 monthsAPR1,5 range7.25% - 10.25%

Disclosures

Personal Loans

Loan typeTermAPR1,5 as low asMonthly payment
Closed-End Fixed RateTerm24 monthsAPR1,5 as low as9.25% - 12.25%Monthly paymentSee example
Closed-End Fixed RateTerm48 monthsAPR1,5 as low as9.50% - 12.50%Monthly paymentSee example
Closed-End Fixed RateTerm60 monthsAPR1,5 as low as9.75% - 12.75%Monthly paymentSee example
Closed-End Fixed RateTerm72 monthsAPR1,5 as low as9.75% - 12.75%
Monthly paymentSee example

 

Loan typeTermAPR1,5 as low asMonthly payment
Share-SecuredTerm24 monthsAPR1,5 as low as3.10%Monthly paymentSee example
Share-SecuredTerm48 monthsAPR1,5 as low as3.50%Monthly paymentSee example
Share-SecuredTerm120 monthsAPR1,5 as low as6.75%6Monthly paymentSee example
Signature Term NoteTerm6 monthsAPR1,5 as low as11.75%Monthly paymentSee example
Share-Secured Term NoteTerm6 monthsAPR1,5 as low as6.50%Monthly paymentSee example
STC-Secured Term NoteTermRemaining term of STCAPR1,5 as low asSTC rate + 2%8Monthly paymentSee example

Disclosures