Rates current as of March 1, 2021
New Auto/Motorcycle
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2021). Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
2.24% |
37-48 mo |
2.74% |
49-66 mo |
2.99% |
67-75 mo |
3.49% |
76-84 mo |
3.74% |
Loan Payment Example: A $30,000 loan at 2.99% APR would have 60 monthly payments of $539.61 each month.
Used Auto/Motorcycle
Used = 2015 & newer, or previously titled and registered. Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
2.74% |
37-48 mo |
3.24% |
49-66 mo |
3.49% |
67-75 mo |
3.99% |
76-84 mo |
4.74% |
Loan Payment Example: A $30,000 loan at 3.49% APR would have 60 monthly payments of $546.43 each month.
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2021). Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
3.24% |
37-48 mo |
3.74% |
49-66 mo |
3.99% |
67-75 mo |
4.49% |
76-84 mo |
4.74% |
85-144 mo |
6.74% |
145-180 mo |
7.49% |
Loan Payment Example: A $30,000 loan at 3.99% APR would have 60 monthly payments of $553.29 each month.
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)
Used = 2015 & newer, or previously titled and registered. Some Restrictions Apply.
Terms |
APR* |
up to 36 mo |
3.74% |
37-48 mo |
4.24% |
49-66 mo |
4.49% |
67-75 mo |
4.99% |
76-84 mo |
5.74% |
85-144 mo |
6.99% |
145-180 mo |
7.74% |
Loan Payment Example: A $30,000 loan at 4.49% APR would have 60 monthly payments of $560.22 each month.
Older Auto & Recreational Loans (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)
Older = 2012-2014
Terms |
APR* |
up to 36 mo |
4.74% |
37-48 mo |
5.24% |
49-66 mo |
5.49% |
Loan Payment Example: A $30,000 loan at 5.49% APR would have 60 monthly payments of $574.22 each month.
Home Equity
Rates current as of October 1, 2019
Terms |
APR* |
60 months |
3.74% |
120 months |
4.24% |
180 months |
4.74% |
Loan Payment Example: A $50,000 loan at 3.74% APR would have 60 monthly payments of $916.42 each month. Taxes and insurance premiums are not included in the payment example, so the actual payment obligation may be greater. A first (or subsequent) lien position is placed on dwelling used as security for the loan.
Personal
Terms |
APR* |
up to 24 mo |
8.99% |
25-36 mo |
9.49% |
37-48 mo |
9.99% |
49-60 mo |
10.49% |
Loan Payment Example: A $10,000 balance at 10.49% APR would have 60 monthly payments of $215.84 each month.
Home Equity Line of Credit †
Rates current as of April 1, 2020
Index (Prime Rate) |
Margin |
Current APR* |
Maximum APR |
3.25% |
-0.25% |
3.00% |
17.99% |
Variable Rate Line of Credit †
Rates current as of April 1, 2020
Index (Prime Rate) |
Margin |
Current APR* |
Maximum APR |
3.25% |
+10.00% |
13.25% |
17.99% |
- *APR = Annual Percentage Rate
- Interest rates are current as of the date posted above and are subject to change without notice. Your Annual Percentage Rate for all loans will vary based upon creditworthiness, duration of the loan, type of collateral pledged and the total loan to value.
- The interest rates shown are "as low as". Your Annual Percentage Rate for all loans may vary from the stated based upon creditworthiness.
† Annual Percentage Rate may vary. Maximum APR that may be imposed in a variable-rate plan = 17.99%.
Mastercard
Effective April 1, 2020
Index (Prime Rate) |
Margin |
Current APR* |
Maximum APR |
3.25% |
+5.24% to 14.49% |
8.49% to 17.74% |
17.99% |
Log into home banking to apply for an Empower loan online. The interest rate shown is 'as low as'. Your Annual Percentage Rate (APR) for the Mastercard credit card may vary from the stated APR, based upon creditworthiness.
Log onto home banking to apply for an Empower Mastercard online.
All loans subject to approval. Rates, terms, and conditions subject to change.