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LOAN RATES

 

Take an Unheard of 1.50% Off Current Loan Rates Starting January 1 2016!  Limited Time Offer!  Click Here for Full Details!

 

New Vehicle Rates 

As Low As 1.25% with Current Sale and Direct Deposit!

Credit Score

24 Months

36 Months

48 Months

60 Months

72 Months

730+              A+

3.00%

3.25%

3.50%

3.75%

4.00%

680-729         A

4.00%

4.25%

4.50%

4.75%

5.00%

640-679         B

5.00%

5.25%

5.50%

5.75%

6.00%

600-639         C

6.50%

6.75%

7.00%

7.25%

7.50%

550-599         D

11.00%

11.25%

11.50%

11.75%

N/A

549 or less     E

13.50%

13.75%

14.00%

14.25%

N/A

NOTE: 72 month loans only available on amounts of $25,000 or more.

 

Used Vehicle Rates

As Low As 2.00% with Current Sale and Direct Deposit! 

Credit Score 24 Months 36 Months 48 Months 60 Months 72 Months

 730+            A+

3.25%

3.50%

3.75%

4.00%

4.25%

680-729        A 

4.25%

4.50%

4.75%

5.00%

5.25%

640-679        B 

5.25%

5.50%

5.75%

6.00%

6.25%

600-639        C 

6.75%

7.00%

7.25%

7.50%

7.75%

550-599        D 

11.25%

11.50%

11.75%

12.00%

N/A 

549 or less    E 

13.75%

14.00%

14.25%

14.50%

N/A 

NOTE: 72 month term available on 2015-2014 model years - only on amounts of $25,000 or more.

60 month term available on 2015-2012 model years

48 month term available on 2011-2010 model years

36 month term available on 2009-2008 model years

24 month term available on 2007 and older

100,000 miles or less only; No salvage or rebuilt titles

 

Recreational Vehicles (New and Used)

Motorcycle, Boat, Camper & RV  

Credit Score

36 Months

48 Months

60 Months

72 Months

96 Months

120 Months

730+           A+

4.25%

4.50%

4.75%

5.00%

5.75%

6.25%

680-729      A

4.75%

5.00%

5.25%

5.50%

6.25%

6.75%

640-679      B

5.75%

6.00%

6.25%

6.50%

7.25%

7.25%

600-639      C

8.25%

8.50%

8.75%

9.00%

9.75%

10.25%

550-599      D

12.00%

12.25%

12.50%

12.75%

N/A

N/A

549 or less  E

18.00%

18.25%

N/A

N/A

N/A

N/A

NOTE: The maximum loan amount for a new boat is $50,000

The maximum loan amount for a used boat is $30,000

72 month loans must be $25,000 or more

96 month loans must be $35,000 or more

120 month loans must be $45,000 or more

 

Unsecured Loans 

Credit Score

48 Months

730+             A+

8.50%

680-729        A

9.50%

640-679        B

10.50%

600-639        C

13.25%

550-599        D

16.50%

549 or less    E

18.00%

NOTE: Unsecured loans can not exceed $10,000 

 

Current Home Equity Rate  

Credit Score HELOC VRL up to 70% LTV HELOC VRL up to 80% LVT HOME EQUITY 2nd Fixed 70% LTV HOME EQUITY 2nd Fixed 80% LTV
A+ (730+) Prime = 3.50% Prime + 1 = 4.50% 4.50% 5.50%
A (680 - 729) Prime = 3.50% Prime + 1 = 4.50% 4.50% 5.50%
B (640 - 679) Prime + 1 = 4.50% Prime + 2 = 5.50% 5.50% 6.50%
C (600 - 639) Prime + 3  = 6.50% Prime + 4 = 7.50% 7.50% 8.50%
D (550 - 599) Prime + 4 = 7.50% Prime + 5 = 8.50% 8.50% 9.50%
E (549 or less) Prime + 5 = 8.50% Prime + 6 = 9.50% 9.50% 10.50%

No Discounts Offered

 Share/CD Secured Loans

3.5% above what is being earned at the time of advance.

 Visa Credit Cards

Score Rate
A+, A (Thru 680) Platinum 8.99%
B, C (679-600) Gold 11.99%
D, E (599 or less) Classic 17.99%

No Discounts Offered 

 

Share Rates

 
Regular Share       0.02% APR      0.02% APY
Share Draft            0.00% APR      0.00% APY
IRA                        0.15% APR      0.15% APY
Club Accounts        0.02% APR      0.02% APY
 

All Rates Subject to Change

 

Certificate Rates
 
$500 Minimum
3 Month      0.05% APR      0.05% APY
6 Month      0.05% APR      0.05% APY
12 Month    0.05% APR       0.05% APY
18 Month    0.15% APR       0.15% APY
24 Month    0.15% APR      0.15% APY
 
$1000 Minimum
3 Month      0.05% APR      0.05% APY
6 Month      0.05% APR      0.05% APY
12 Month    0.05% APR      0.05% APY
18 Month    0.15% APR      0.15% APY
24 Month    0.15% APR      0.15% APY
 
$5000 Minimum
3 Month      0.05% APR      0.05% APY
6 Month      0.05% APR      0.05% APY
12 Month    0.05% APR      0.05% APY
18 Month    0.15% APR      0.15% APY
24 Month    0.15% APR      0.15% APY
 
$10,000 Minimum
3 Month      0.05% APR      0.05% APY
6 Month      0.05% APR      0.05% APY
12 Month    0.05% APR      0.05% APY
18 Month    0.15% APR      0.15% APY
24 Month    0.15% APR      0.15% APY
 
All Rates Subject to Change
The rate you receive is based on your credit worthiness and term of loan

*Member Loyalty Discount Available on Select Loans

*Loan Sale Applied on Select Loans.  Loan Sale starts January 1, 2016.  Sale is a limited time offer.  Click here for more details on loan sale.


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