We’re dishing out delicious deals with 1% cash back on loans!*  If you’re craving sweet savings, check out our limited time special of 1% cash back on auto, boat, motorcycle and RV loans!

What does this mean to you?  You could take out a $27,000 auto loan, for example, and drive away with $270 cash. Or hit the high seas with a $35,000 boat loan and put $350 in your pocket!

Here’s just a taste of the other benefits you’ll enjoy:

  • Competitive rates
  • Flexible terms
  • Low monthly payments
  • Quick approvals
  • Expert, friendly staff


STOP IN A BRANCH TO SAY HELLO AND YOU WILL GET A FREE ICE CREAM TREAT. With perks like these it’s clear our loans are anything but vanilla.  So, contact us to apply today. 


Select the loan product below that you are interested in and fill out our easy application.  A loan officer will give you a call. Or - call Nick at the Maplewood Branch (651) 747-1512, Katrina in Lino Lakes (651) 747-1511 or Matt in Lino Lakes (651) 747-1565.

Auto Loans

  • Financing for new and used vehicles
  • Finance up to 110% of any new vehicle price, including taxes, license, and warranty
  • Flexible repayment terms available
Learn More

Auto Resource Center

  • Find step-by-step help for the car-buying process
  • See a list of our dealership partners
  • Learn about insurance options
Learn More

Boat, RV, & Toy Loans

  • Competitive rates for a wide variety of recreational vehicles
  • Flexible repayment terms
  • Attentive, friendly service from start to finish
Learn More

Personal Term Loans

  • Loans and lines of credit available
  • Savings and CD secured loans available
  • Competitive rates and flexible terms
Learn More

Student Loans

  • Affordable financing from Sallie Mae®
  • Competitive fixed and variable rates available
  • No origination fees or prepayment penalties
Learn More

* Effective date 7/1/21 to 9/30/21. Real estate, share secured and unsecured loans not included. Up to $500 cash back. Existing SMW loans excluded. Model years 7 years old or newer. Cash back amount is based on amount financed and will be deposited into members account within 10 days of booking.  If the loan is paid off within 24 months of the funding date, the cash rebate received will be added to the loan payoff. Loan rates determined by credit history of borrower and collateral values. $75 doc prep fee included with financing. Autos 3 years old and newer are eligible for lower new car rates. Used vehicles based on J.D. Power retail values or purchase price whichever is lower. Lowest interest rates include discount for auto payment and GAP Insurance. Each collateral type (boats, motorcycle, RV’s and vehicles) will have varied terms, rates and restrictions.  Call (651) 747-1500 Option 2 for more detail.