Loan Rates

Rates effective June 1, 2017

Loan Type Annual Percentage Rate
NEW AUTO RATES
24 months - 48 months STARTING AT 1.77%
60 - 72 months STARTING AT 1.77%
USED AUTO RATES (N.A.D.A values are used)
1 yr. old
36-60 months
STARTING AT 1.79% 
90% of retail 
over 15,000 miles
2 yrs. old 
36-54 months
STARTING AT 1.96% 
90% of retail
3 yrs. old 
36-48 months
STARTING AT 1.97% 
85% of retail
4 - 6 yrs. old 
48 months
STARTING AT 1.98% 
80% of retail
7 yrs. & older 
36 months
STARTING AT 1.99% 
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.