Loan Rates

Rates effective April 1, 2019

Loan Type Annual Percentage Rate
NEW AUTO RATES
24 months - 48 months STARTING AT 3.04%
60 - 72 months STARTING AT 3.34%
USED AUTO RATES (N.A.D.A values are used)
1 year
up to 72 months
STARTING AT 3.69% 
100% of retail 
over 15,000 miles
2 yrs. old 
up to 60 months
STARTING AT 3.74% 
95% of retail
3 yrs. old 
up to 54 months
STARTING AT 3.74% 
90% of retail
4 - 6 yrs. old 
up to 48 months
STARTING AT 3.74% 
85% of retail
7 yrs. & older 
36 months
STARTING AT 3.74% 
75% of retail
CREDIT CARD
VISA Platinum 8.99%
VISA Classic 12.99%
ALL OTHER LOAN RATES
A Credit Score 700+. Maximum $10,000 depending on debts &  income - max terms 36 months
7.75%
B Credit Score 699-675. Maximum $10,000 depends on debts & income - max terms 36 months
8.75%
C Credit Score 674-650. Maximum $10,000 depends on debts & income - max terms 36 months
10.75%
D Credit Score below 650. Credit Rebuilder Loan Maximum. $3,500. Max terms 18 months
18.00%
Pay Day Loans 18.00%
FULLY-Share (savings) Secured 
(Terms vary share balance maximum)
2.50%
Motorcycle, Boat, Camper or Jet Ski - NEW Starting at 6.09% APR 90% financing maximum 60 months
Motorcycle, Boat, Camper or Jet Ski - USED Starting at 6.99% APR 75% of sale price N.A.D.A./Kelly Blue Book values

 

*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.

*Loans subject to credit approval;some restrictions apply.

Equal Housing Lender