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Consumer Loan Rates

Effective 09/01/21

Auto Loans

Model Year Maximum Loan to Value* (LTV)APR**Maximum Term (Months) Monthly Payment per $1,000
2018 - 2021100%3.24%60 $18.08
201790%3.99%48$22.57
201690%5.49%48$23.25
201580%6.49%36$30.64
2014 and older 80%7.49%36$31.10
Motorcycles: Add 2.00% to the rates above.

*Loan to value is based on the NADA retail value or purchase price (whichever is less).
**Annual Percentage Rate (APR) reflects 0.50% discount for automatic payment from an Avidia Bank checking account. An additional 0.25% discount may apply for Bank At Work account customers. The actual APR available to you will be based on your credit history and payment method. Other rates, terms or conditions may apply.

All Auto loans are subject to a $20 Vendors Single Interest insurance fee. The VSI fee insures the vehicle against physical damage in the event that insurance coverage is cancelled or lapses.

An Insurance Binder naming Avidia Bank as “loss payee” is required on all auto loans prior to or at closing.

Personal/Unsecured Loans

APR**Maximum Term (Months)Monthly Payment per $1,000
10.49%60$21.49

**Annual Percentage Rate (APR) reflects 0.50% discount for automatic payment from an Avidia Bank checking account. The actual APR available to you will be based on your credit history and payment method. Other rates, terms or conditions may apply.

Collateral Loans

Type of Loan APR**Term***
Savings and Certificate Secured (Non-IRAs)3.00% above the current interest rate on the deposit account securing the loanSee the note below

**Annual Percentage Rate (APR) reflects 0.50% discount for automatic payment from an Avidia Bank checking account. The actual APR available to you will be based on your credit history and payment method. Other rates, terms or conditions may apply.
***The maturity date of a collateral loan secured by a certificate of deposit account may not exceed the maturity date of the certificate of deposit account.

Overdraft Lines of Credit

APR**Term
WSJ Prime plus 8.00%; variable (Currently 11.25%)Revolving

**Annual Percentage Rate (APR) reflects 0.50% discount for automatic payment from an Avidia Bank checking account. The actual APR available to you will be based on your credit history and payment method. Other rates, terms or conditions may apply.

All rates and terms are subject to change without notice.

Overdraft lines of credit have a maximum rate of 18%. The rate is variable and is subject to increase after consummation. The rate adjusts monthly to the Wall Street Journal Prime Rate plus a margin of 8.00%. The Wall Street Prime Rate is currently 3.25% as of 04/01/2021.

Contact a customer service rep at any of our locations for more information. Or, call our call center at 800-508-2265.