Consumer Loan Rates

You are now ready to make that big purchase. It’s time to shop for the best rates on that loan, whether it’s for an auto loan, home equity, or home improvement loan.

The following rates are effective January 1, 2017.

Rates are subject to change without notice.

Loan Type Maximum Loan Amount Maximum Term Annual Percentage Rate Payment per $1000
Auto Loan || Apply Online 
New Auto**
2017, 2016 -
Not previously registered
$75,000 60 Months 4.50% $18.65
  $75,000 72 Months 4.75% $15.99
  $75,000 84 Months 5.00% $14.14
Used Auto**
2016, 2015, 2014 $50,000 60 Months 5.25% $18.99
2013 $50,000 48 Months 5.50% $23.26
Auto 5th Year**
2012 $25,000 36 Months 5.75% $30.31

A 10% minimum down payment is required for all new and used auto loans. A 20% minimum down payment will be required on 2010 models.

Hybrid Auto Loans - Ask us about our special rate for the purchase of a new or used Hybrid vehicle.
 
Home Improvement Loans || Apply Online 
Home Improvement** $25,000 84 Months 4.99% $14.13
Passbook Loans
Passbook Loan 90% of passbook balance Call for rate & terms

**Additional discount available using Auto Pay with DIFS Checking/NOW Account. Discounted rates are the rate stated above Minus .50%.

**Home Improvement loans are secured by UCC filings with the Secretary of State & Registry of Deeds.  $66 paid by homeowner.  Three day Right of Recission may be required.