Rates effective: September 12, 2025
Rates are based on automatic payment from a Sugar River Bank Account - add .25% for manual payment.
All rates are subject to change without notice.
Please note other terms, conditions, or restrictions may apply depending on other product offerings
A $55.00 processing fee applies.
Personal Loans
| Type |
Interest Rate |
Annual Percentage Rate (APR) |
Term |
Conditions |
Payment Per $1,000.00 |
| Overdraft Protection |
18.00% |
18.00% |
Demand |
Must have a SRB Checking Account |
The greater of $10.00 or the amount of accrued interest charges plus 5% of the principle balance outstanding on the last day of the billing cycle. |
| Collateral Loans - CD |
CD APY +2.5% |
Call for rates |
Call for available terms |
Maximum LTV 90% |
N/A |
| Collateral Loans - Stock |
Prime+ 1.25% |
Call for rates |
Call for available terms |
Maximum LTV 70% |
N/A |
| Personal Unsecured Loans |
14.00% |
16.949%*
|
Maximum term
4 years |
Minimum loan amount: $1,000.00. Maximum Loan amount: $5,000 |
$27.33 per month |
More information: Personal Unsecured Loans
*Based on a $1,000 loan amount and 48 month term.
Automobile Loans
| Automobile |
Interest Rate |
Annual Percentage Rate (APR*) |
Term |
Payment Per $1,000 |
Down Payment ** |
| 2025/2024-New |
7.99% |
8.224% |
60 Months |
$20.28 |
10% |
| 2025/2024-New |
7.99% |
8.189% |
72 Months |
$17.53 |
10% |
| 2024/2023-Used |
8.99% |
9.280% |
48 Months |
$24.89 |
15% |
| 2022-Used |
10.99% |
11.284% |
48 Months |
$25.65 |
15% |
| 2021-Used |
11.99% |
11.287% |
48 Months |
$26.33 |
15% |
| 2020-Used |
11.99% |
12.374% |
36 Months |
$33.21 |
20% |
*Annual Percentage Rate (APR) based on $10,000.
**Down payment based on purchase price or JD Powers loan value, whichever is less.
Other rates and terms are available for vehicles older than 2020.
Recreational Vehicle Loans
Loans for Boats, ATV's, Snowmobiles, and Campers.
| New / Used |
Interest Rate |
Annual Percentage Rate (APR*) |
Term |
Payment Per $1,000 |
Down Payment** |
| New |
9.50% |
9.791% |
48 Months |
$25.13 |
20% |
| Used |
11.00% |
11.382% |
36 Months |
$32.74 |
25% |
| Camper New |
9.99% |
10.167% |
84 Months |
$16.60 |
20% |
| Camper Used 2024 - 2023 |
9.99% |
10.228% |
60 Months |
$21.42 |
25% |
| Camper Used 2022 - 2019 |
9.99% |
10.282% |
48 Months |
$25.35 |
25% |
*Annual Percentage Rate (APR) based on $10,000 loan amount
**Down payment based on purchase price or JD Powers loan value, whichever is less.
Motorcycle Loans
| New / Used |
Interest Rate |
Annual Percentage Rate (APR*) |
Term |
Payment Per $1,000 |
Down Payment** |
| New 2025-2024 |
9.24% |
9.530% |
48 Months |
$25.00 |
10% |
| Used 2023-2022 |
9.99% |
10.282% |
48 Months |
$25.36 |
20% |
| 2021 |
9.99% |
10.370% |
36 Months |
$32.27 |
20% |
*APR based on $15,000
**Down payment based on purchase price or JD Powers loan value, whichever is less.
Motorhome Loans
| Type |
Interest Rate |
Annual Percentage Rate (APR*) |
CAPS |
Index |
Payment Per $1000 |
Down Payment** |
| 1 Year / Adjustable |
9.99% |
10.061% |
18% |
Wall Street Journal Prime Rate + 4.0% |
$41.49 |
20% |
| 3 Year / Adjustable |
10.99% |
11.062% |
18% |
Wall Street Journal Prime Rate + 4.5% |
$42.80 |
20% |
*Annual Percentage Rate (APR) based on $25,000 for 84 Months with rate adjustments, the APR may increase after consummation of the loan.
**Down payment based on purchase price or JD Powers loan value, whichever is less.
Other terms available.
Loans for Motorhomes are available for vehicles up to 7 model years old or newer.
Please contact your nearest branch office for complete details and rates.
