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Consumer Loan Rates

Table data for Autos
Effective 11-21-2024
Term	Minimum Loan Amount	APR (as low as)	True Drive APR (as low as)	Alert Me
12-60 months	No Minimum	6.05%	6.80%

72 months	$15,000	6.05%	6.80%¹

84 months	$25,000	6.25%	N/A

96 months	$45,000	7.25%	N/A

120 months	$75,000	7.75%²	N/A

¹Payment Example: $40,000 loan with 60 payments of $493 and a balloon payment of $21,510.↵ ² APR = Annual Percentage Rate. For Example: 120 Payments of 12.01 per $1000 borrowed.↵

Table data for Boats
Effective 11-21-2024
Terms	Minimum Loan Amount	APR (as low as)	Alert Me
84 months	No Minimum	7.00%

96 Months	$35,001	7.25%

120 Months	$50,001	7.75%

180 Months	$70,001	8.25%¹

¹APR = Annual Percentage Rate. For Example:180 Payments of $9.71 per $1000 borrowed.↵

Table data for Motorhomes
Effective 11-21-2024
Terms	Minimum Loan Amount	APR (as low as)	Alert Me
84 months	No Minimum	7.65%

96 Months	$35,001	7.90%

120 Months	$50,001	8.90%

180 Months	$70,001	9.40%¹

¹APR = Annual Percentage Rate. For Example: 180 Payments of $10.39 per $1000 borrowed.↵

Table data for Motorcycles & RVs
Effective 11-21-2024
Terms	Minimum Loan Amount	APR (as low as)	Alert Me
60 Months	No Minimum	6.65%

72 Months	$16,001	6.90%

96 Months	$35,001	7.15%

120 Months	$50,001	7.65%¹

¹ APR = Annual Percentage Rate. For Example: 120 Payments of 11.96 per $1000 borrowed.↵

Table data for Credit Cards
Effective 11-21-2024
	Terms	APR¹	Credit Limit	Alert Me
MasterCard	Revolving	9.90% - 12.50%	up to $20,000

Secured MasterCard	Revolving	14.50%	$500min / $5000max

¹APR = Annual Percentage Rate↵

Table data for Personal Loans
Effective 11-21-2024
Terms	APR (as low as)	Alert Me
up to 60 months	11.65%¹

¹APR = Annual Percentage Rate. For Example: 60 payments of $21.96 per $1000 borrowed.↵

Table data for Alaska HeatSmart
Terms	APR (as low as)	Alert Me
up to 60 months	4.00%¹

¹APR = Annual Percentage Rate. For Example: 60 payments of $18.42 per $1000 borrowed.↵

Table data for Overdraft Line of Credit
Effective 11-21-2024
Terms	APR¹	Max Amount	Alert Me
Revolving	18.00%	$500 -$3000

¹APR = Annual Percentage Rate↵

Table data for Home Equity Line of Credit
Effective 11-21-2024
Terms	APR¹	Financing	Max Amount	Alert Me
Revolving	Variable, as low as Prime + 0	Up to 85%	$250,000 maximum

Origination Fee is $250. Flood Report Fee is $14. Other costs will be passed through, estimated range from $450-$2650.
¹APR = Annual Percentage Rate. Maximum APR is 18%.↵

Table data for Home Equity Loan
Effective 11-21-2024
Occupancy	Maximum Loan to Value	Maximum Loan Amount	Maximum Loan Term	APR (as low as)	Alert Me
Owner Occupied	85%	$200,000	180 Months	7.919%

Non Owner Occupied	75%	$200,000	180 Months	8.422%¹

Origination Fee 1%, minimum $250; Flood Search Fee $14. Other costs will be passed through, estimated range from $450-$2650.
¹APR = Annual Percentage Rate. For Example: 120 Payments of 12.27 per $1000 borrowed.↵

Table data for Lot Loans
11-21-2024
Lot Type	Maximum Loan to Value	Maximum Loan Amount	Maximum Loan Term	APR (as low as)	Alert Me
Improved Lots	75%	$200,000	180 months	8.688%

Unimproved Lots	70%	$125,000	120 months	9.901%¹

Origination Fee 1%, Minimum $250. Other costs will be passed through, estimated range from $450-$2650.
¹APR = Annual Percentage Rate. For Example: 120 Payments of $12.81 per $1000 borrowed.↵

Table data for Share Secured
Effective 11-21-2024
Terms	APR¹	Max Amount	Alert Me
Varies	3.00% above dividend rate	$100,000

¹APR = Annual Percentage Rate. Loan rate is 3% above the Dividend Rate paid on the underlying share product at time of loan origination.↵

Insurance is required for all collateralized loans.

Your loan rate will be determined by several factors, including your credit score, loan amount, loan term and/or loan to value.

Rates are subject to change at any time.

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