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Branch Closure

In celebration of New Year’s Day, our branch and office locations will be closed Thursday, January 1st.

Branch Closure

We will be open between the hours of 9 a.m. and 2 p.m. on Wednesday, December 24th, and closed on Christmas Day, Thursday, December 25th. Wishing you and yours all the best this holiday! ... Read more

Branch Closure

In observance of Thanksgiving Day, we will be closed Thursday, November 27, 2025.

Branch Closure

In observance of Veterans’ Day, all of our locations will be closed Tuesday, November 11th, 2025.

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Consumer Loan Rates

Consumer Loans
Loan Type	APR* Range	Collateral Description
Rates are current as of today’s date. Rates are subject to change. * APR means annual percentage rate. New/used auto rates reflect a .25% discount for auto pay from a Bank of the Pacific account. Credit score, loan terms, maximum and minimum loan amounts may affect rates. Used auto loan rates are affected by mileage. Marine vessel loans carry a $350 loan fee and a $35 document preparation fee. All other loans carry a $100 loan fee and a $35 document preparation fee. Taxes, Title, Registration and other fees may also apply. Please contact your local branch for rate information on other loan types. All loans subject to credit approval.
Loan Type New Auto	APR* Range 6.214% – 8.183%	Collateral Description Automobile for private use no more than 12 months old.
Loan Type Used Auto	APR* Range 6.766% – 11.527%	Collateral Description Automobile for private use no more than 15 years old and no more than 200,000 miles.
Loan Type Classic Auto	APR* Range 8.99% – 9.566%	Collateral Description Automobile for private use no more than 15 years old and no more than 200,000 miles. May require a classic auto appraisal. Credit admin will establish value.
Loan Type New Recreational Vehicle (RV)	APR* Range 7.717% – 8.615%	Collateral Description Either Motor Home or Camper Trailer. May not be used as Primary Residence.
Loan Type Used Recreational Vehicle (RV)	APR* Range 8.772% – 9.367%	Collateral Description Either Motor Home or Camper Trailer. May not be used as Primary Residence.
Loan Type Consumer Boat Loan	APR* Range 7.467% – 8.158%	Collateral Description A consumer boat loan is considered a ski boat or small lake type fishing boat that would be pulled out of the water and stored on a trailer – trailer and motors (if outboard) will be used as collateral as well.
Loan Type Consumer Marine Vessel Loan	APR* Range 8.054% – 8.470%	Collateral Description Small yacht, sail boat or sport fishing boat. Private/Non-commercial use. May not be used as a Primary or Secondary residence.
Loan Type Motorcycle Loan	APR* Range 10.75% – 11.335%	Collateral Description Motorcycles for private use no more than 15 years old and no more than 200,000 miles. For street legal motorcycles only.

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Home Equity Line of Credit (HELOC)
APR Range*	Collateral Description
Rates are current as of today’s date. Rates are subject to change. * APR means annual percentage rate. New/used auto rates reflect a .25% discount for auto pay from a Bank of the Pacific account. Credit score, loan terms, maximum and minimum loan amounts may affect rates. Used auto loan rates are affected by mileage. Marine vessel loans carry a $350 loan fee and a $35 document preparation fee. All other loans carry a $100 loan fee and a $35 document preparation fee. Taxes, Title, Registration and other fees may also apply. Please contact your local branch for rate information on other loan types. All loans subject to credit approval.
APR Range* 7.50% – 9.50%	Collateral Description Revolving line of credit drawing from the existing equity of a primary residence.

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Learn more about HELOCs

Home Equity Loan
APR Range*	Collateral Description
Rates are current as of today’s date. Rates are subject to change. * APR means annual percentage rate. New/used auto rates reflect a .25% discount for auto pay from a Bank of the Pacific account. Credit score, loan terms, maximum and minimum loan amounts may affect rates. Used auto loan rates are affected by mileage. Marine vessel loans carry a $350 loan fee and a $35 document preparation fee. All other loans carry a $100 loan fee and a $35 document preparation fee. Taxes, Title, Registration and other fees may also apply. Please contact your local branch for rate information on other loan types. All loans subject to credit approval.
APR Range* 7.24% – 9.851%	Collateral Description Term-based loan based on the existing equity of a primary residence.

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Learn more about Home Equity Loans