Effective 12.15.2025
Auto & Motorcycle Loans
| Term | APR* (as low as) |
|---|---|
| up to 36 months | 4.49% |
| up to 48 months | 4.74% |
| up to 60 months | 4.99% |
| up to 72 months | 5.24% |
| up to 84 months | 5.74% |
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account
Specialty Vehicle Loans (Boat, RV, Camper, ATV, etc.)
| Term | APR* (as low as) |
|---|---|
| up to 36 months | 6.24% |
| up to 60 months | 6.49% |
| up to 84 months | 6.99% |
| up to 120 months | 7.24% |
| up to 180 months | 7.49% |
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account
Personal Loans
| Term | APR* (as low as) |
|---|---|
| up to 36 months | 8.24% |
| up to 48 months | 8.24% |
| up to 60 months | 8.49% |
| up to 72 months | 8.99% |
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account
No Credit Check Loan
| Term | APR* (as low as) |
|---|---|
| 12 months | 12.99% |
Requires Direct Deposit. $20 processing fee applies. $500 in new money required if using to refinance. $1,500 loan for 12 months = $133.97 payments.
Credit Builder Loan
| Term | APR* (as low as) | |
|---|---|---|
| 1st Loan - $500 | 12 months | 16.00% |
| 2nd Loan - $1,000 | 12 months | 14.00% |
First Credit Builder Loan payment = $45.37 per month. Second Credit Builder Loan payment = $89.79 per month.
Home Equity Line of Credit
| Loan-to-Value | Variable-Rate APR* (as low as) |
|---|---|
| up to 85% | Prime Rate – 0.25% |
| up to 100% | Prime Rate + 0.25% |
Variable Rate is tied to Prime and adjusted semi-annually. Rate will not go below 3.25%. Minimum initial credit advance required of $5,000. Minimum advance of $500 after initial draw. Home Equity Line of Credit has a 5-year draw period. You may apply to refinance balances into a fixed-rate with our conversion product. Maximum loan amount of $40,000 for loan-to-value of 100%.
Home Equity Fixed-Rate Conversion
| Term | APR as low as* (up to 85% LTV) | APR as low as* (up to 100% LTV) |
|---|---|---|
| up to 60 months | 5.75% | 6.50% |
| up to 84 months | 5.75% | 6.50% |
| up to 120 months | 6.00% | 6.75% |
| up to 180 months | 6.25% | 7.00% |
During the draw period, balances from a Home Equity Line of Credit may be converted into a fixed-rate for repayment. Additional advances may be taken at a variable rate of interest. No more than three segments may be converted and open at any one time. You must have an outstanding balance of at least $5,000 at the time you wish to convert this loan to a fixed rate of interest.
*APR = Annual Percentage Rate. Loan rates vary and are determined by each individual’s credit history, collateral conditions and term of loan. Rates are subject to change without notice. Subject to credit approval.