Current Loan Rates
Effective Date: April 1, 2014
LOAN TYPE
APR*
NEW AUTO RATES
24 months - 48 months
STARTING AT 1.99%
60 - 72 months
STARTING AT 1.99%
 
USED AUTO RATES
(N.A.D.A values are used)
1 yr. old
36-60 months
STARTING AT 1.99%
90% of retail
over 15,000 miles
2 yrs. old
36-54 months
STARTING AT 2.25%
90% of retail
3 yrs. old
36-48 months
STARTING AT 2.50%
85% of retail
4 - 6 yrs. old
48 months
STARTING AT 2.75%
80% of retail
7 yrs. & older
36 months
STARTING AT 2.99%
75% of retail
 
CREDIT CARD
VISA Platinum
8.99%
VISA Classic
12.99%
 
ALL OTHER LOAN RATES
A Credit Score 725+
Maximum $10,000
depending on debts &
income - max terms 36 months
5.75%
B Credit Score 724-700
Maximum $10,000
depends on debts &
income - max terms 36 months
6.75%
C Credit Score 699-675
Maximum $10,000
depends on debts &
income - max terms 36 months
7.75%
D Credit Score below 674
Credit Rebuilder Loan
Maximum $3,500
Max terms 18 months
8.75% to 18.00%
Pay Day Loans
18.00%
FULLY-Share (savings) Secured
(Terms vary share balance maximum)
2.25%
Certificate Secured
2.50% above certificate rate
terms vary
certificate balance maximum
Motorcycle, Boat, Camper or Jet Ski
      NEW
1.50% above new car rates
90% financing
maximum 60 months
Motorcycle, Boat, Camper or Jet Ski
      USED
1.75% used car rates
75% of sale price
N.A.D.A. values used
*APR = Annual Percentage Rate
Late fee-$10 or 5% of default amount (not less than $5), whichever is less, if more than 10 days late.

 

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