Rates Calculators

Heating assistance and more.


Heating Assistance Loan

Warm up with our limited-time Heating Assistance Loan.

  • 12-month pay period
  • Low, fixed rate of 3.99% APR1
  • Funds go directly to your heating fuel company

Personal Loans

  • Competitive rates for one-time needs
  • Unsecured and secured options available
    • Loans may be secured by collateral such as shares or share certificates or equipment of all types (snow blowers, generators, lawn mowers, tractors, trailers, tires, and more)
  • Flexible repayment terms
  • Skip-a-Payment available
  • Insurance options to protect your loan
  • Loan discounts available
  • Apply on-site at our local lending partners
  • Fast decision-making and local servicing

1APR - Annual Percentage Rate as of 11/9/2022. 3.99% for 12 months requires a repayment of $85.15 per $1,000. Rate subject to change without notice. All borrowed funds are paid directly to the heating fuel company.


  • Competitive rates
  • Helps to avoid overdraft fees due to the overdrawing of accounts
  • Revolving line of credit
  • Maximum line of credit for qualified borrowers is $5,000
  • Minimum monthly payment equals 3% of outstanding balance

Buy, Refinance, and Check Rates

loanphone logo207-221-5000