Consumer Loan Rates
Effective Date December 19, 2024
*On a 30 yr. conventional fixed mortgage for $100,000 with an interest rate of 6.750% (6.855% APR) the principal and interest payment would be $648.60 per month.
| Loan Type | Rate | APR |
|---|---|---|
| 30 yr Conventional Fixed | 6.750% | 6.855% |
| 20 yr Conventional Fixed | 6.500% | 6.636% |
| 15 yr Conventional Fixed | 6.250% | 6.419% |
Unsecured Consumer Loans
Unsecured Personal Loans Up To $15,000
*On a 5 yr, unsecured personal loan for $15,000 with an interest rate of 12.000% the principal and interest payment would be $333.67 per month.
| TERM | APR |
|---|---|
| Up to 36 months | 10.000% |
| Up to 48 months | 10.750% |
| Up to 60 months | 12.000% |
Checking Line of Credit up to $5,000
| Term | APR |
|---|---|
| N/A | 18.000% |
Unsecured Above Ground Pool Loans up to $15,000
*On a 5 yr, unsecured pool loan for $15,000 with an interest rate of 8.500% the principal and interest payment would be $307.75 per month.
| Term | Rate |
|---|---|
| 5 years | 8.500% |
Unsecured Home Improvement Loans – Up to $15,000 Must provide estimates.
All rates and terms quoted are for 1 – 2 unit owner occupied Maximum unsecured Home Improvement loan for $15,000. *On a 5 yr. Home Improvement for $15,000.00 with an interest rate of 9.500% (9.500% APR) the principal and interest payment would be $315.03 per month.
| Term | Rate | Down Payment |
|---|---|---|
| 60 months | 9.500% | 0% |
Consumer Secured Loans
Secured Auto Loans: New and Used Auto Rates
*On a 6 yr, secured auto loan for $25,000 with an interest rate of 7.250% the principal and interest payment would be $429.23 per month.
| YEAR | RATE | TERM |
|---|---|---|
| 2025- 2024 | 7.250% | Up to 84 months |
| 2023-2021 | 7.500% | Up to 72 months |
| 2020-2019 | 7.750% | Up to 60 months |
| 2018 | 8.250% | Up to 48 months |
| 2017 or older | 9.250% | Up to 36 months |
New/Used Secured Boats, RV loans, and Hauling Trailers
*On a 5 yr, secured RV loan for $50,000 with an interest rate of 8.250% the principal and interest payment would be $1,019.81 per month.
TERM RATE DOWN PAYMENT
48 months 8.000% 0%
60 months 8.250% 0%
72 months 9.000% 0%
84 months 9.500% 10%
96-120 months 9.750% 15%
144-180 months 10.750% 15%
Secured Snowmobiles, Motorcycles, ATV’s
*On a 5 yr, secured motorcycle loan for $10,000 with an interest rate of 9.000% the principal and interest payment would be $207.58 per month.
| Term | Rate | Down Payment |
|---|---|---|
| up to 60 months | 9.000% | 0% |
Secured Inground Pool Loans
*On a 10 yr, secured inground pool loan for $50,000 with an interest rate of 8.500% the principal and interest payment would be $619.93 per month.
| Term | Rate |
|---|---|
| 5 years | 8.500% |
| 8 years | 8.500% |
| 10 years | 8.500% |
| 12 years | 8.500% |
Home Equity Lines of Credit
Primary Residence
Closing Cost /fees are waived if line is maintained for three years. On a 15 Yr. HELOC for $100,000 with an interest rate of 7.500% (7.500% APR) the principal and interest payment would be $927.01. For complete terms and conditions please visit our Home Equity Line of Credit Page.
| Term | Rate |
|---|---|
| 25 Years | Prime + 0 |
Home Equity Loans (Fixed)
*On a 10 yr, Home Equity loan for $75,000 with an interest rate of 6.750% the principal and interest payment would be $861.18 per month.
Primary Residence
| Term | Rate |
|---|---|
| 10 years | 1st Lien 6.750% 2nd Lien 7.250% |
| 15 years | 1st Lien 7.250% 2nd Lien 7.750% |
Secondary Residence
| Term | Rate |
|---|---|
| 10 years | 1st Lien 7.750% 2nd Lien 8.250% |
| 15 years | 1st Lien 8.250% 2nd Lien 8.750% |
Cash Secured
Internal Seneca Savings Account
| Term | Rate | Down Payment |
|---|---|---|
| 60 months | 3% above current savings/CD rate | 0% |
Outside Investment Account – Marketable Securities
| Term | Rate | Down Payment |
|---|---|---|
| 60 months | 3% above current money market rate* | 30%** |
