Consumer Loan Rates

Auto Loan Rates

Interest As Low As APR Max Term
Auto Loan Rate 3.24% 3.53% 72 MOS.

*APR is Annual Percentage Rate. Subject to credit review and approval. All other loan terms and conditions apply. Rate based on automatic withdrawal of payment from ChoiceOne account. APR based on $20,000 loan with 72 monthly payments with a monthly payment of $299.33.

Home Equity Term Loan & Lines Of Credit

Interest As Low As APR
Fixed Term 2.99% 3.31%
HELOC Variable Term 5.00% N/A

*APR is Annual Percentage Rate. Subject to credit review and approval. All other terms and conditions apply. APR based on $20,000 loan with 60 monthly payments. Combined loan to value ratio must be 80 percent or less. Rate applies to home equity loans $20,000 up to $100,000 with a maximum of 60 month term. Consult a tax advisor regarding the deductibility of interest. Check with your local ChoiceOne Bank representative for more information.

*Loans are subject to credit review and approval. Home Equity Lines of Credit are available for well qualified applicants for loans of $5,000 or greater. No annual fee for first year, then $50 per year. Processing fee of $199 may be applicable. Rate not to exceed 18.00%. Consult a tax advisor regarding the deductibility of interest.

Recreational Vehicle & Equipment Loan Rates

Interest As Low As Max Term Up To $24,999 Max Term Over $25,000 Max Term Over $50,000
Boats, Motor Homes, Campers, Trailers and Lawn & Garden 4.74% 60 MOS.
APR: 5.03%
120 MOS.
APR: 4.89%
180 MOS.
APR: 4.79%

*APR is Annual Percentage Rate. Subject to credit review and approval. All other loan terms and conditions apply. Rate based on automatic withdrawal of payment from ChoiceOne account.

Unsecured Consumer Loan Rates

Interest As Low As APR Max Term
Unsecured Up To $15,000 8.99% 9.49% 60 MOS.

*APR= Annual Percentage Rate. Subject to credit review and approval. Rate based on automatic withdrawal of payment from ChoiceOne account. All other loan terms and conditions apply.
Unsecured: APR based on $15,000 loan with 60 monthly payments with a monthly payment of $307.62.

Do you wish to continue? Close Warning

The link you’ve clicked was provided from an external source because we see opportunity for you. By selecting “yes, continue” below you will be opening a new browser window and leaving our website. Although we’ve carefully reviewed the website prior to creating the link, unfortunately we cannot be responsible for the safety or security of the website.

What You Will Need Close Warning

Applying is fast and easy. Here’s what you’ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver’s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.