Loan Rates

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Loan Rates

New Auto Loans
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR**
730+ A+
Up to 36 $500 6.40%
37 - 48 $5,000 6.55%
49 - 60 $10,000 6.60%
61 - 72 $15,000 6.85%
73 - 84 $20,000 7.00%
85 - 96 $30,000 7.50%
Loan value for New Auto based on MSRP
Loan value for Used Autos based on NADA Clean Retail Value

Used Auto Loans
Effective Date: May 20, 2024
NO PAYMENTS DUE FOR 90 DAYS
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
Up to 36 $500 6.60%
37 - 48 $5,000 6.80%
49 - 60 $10,000 7.00%
61 - 72 $15,000 7.25%
73 - 84 $20,000 7.50%
85 - 96 $30,000 7.75%

Older Used Auto Loans
Effective Date: May 20, 2024
NO PAYMENTS DUE FOR 90 DAYS
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
Up to 36 $500 7.00%
37 - 48 $5,000 7.50%
49 -60 $10,000 7.75%

New Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc.
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
Up t 60 $500 6.50%
61 - 120 $15,000 7.25%
121 -180 $30,000 7.75%
Up to 60 $50,001 6.75%
61 - 120 $65,000 7.50%

Used Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc.
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
Up to 60 $500 7.00%
61-120 $15,000 7.75%
121-144 $20,000 8.25%
61-120 $40,000 8.00%
121-144 $50,000 8.50%

Personal Loans (Signature) - over $5,000 and under $15,000
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
Up to 36 $250 8.50%
37-48 $250 9.50%
49-60 $250 10.50%

Personal Loans (Signature) - over $15,000
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
Up to 36 $15,000 9.00%
37-48 $15,000 10.00%
49-60 $15,000 11.00%

Overdraft Line of Credit
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
N/A $250 15.00%

Revolving Line of Credit
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
N/A $250 15.00%

Opportunity Loan
Effective Date: April 3, 2023
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
6 $500 N/A
12 $1,000 N/A

Advantage Pay Recovery
Effective Date: April 3, 2023
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
up to 12 months $1,100 12.00%

Share Secured Loan
Effective Date: May 20, 2024
No Discounts
Terms in MonthsMinimum Loan AmountAPR** 730+ A+
up to 144 $250 5.50%

Certificate Secured Loan
Effective Date: May 20, 2024
Terms in MonthsMinimum Loan AmountAPR** 730+ A+
up to 144 N/A Rate issued at 2% over rate of pledged certificate

Visa®
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
N/A $250 9.99%

Secured Visa Card
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
N/A $250 9.99%

Home Equity Line of Credit
Effective Date: May 20, 2024
Terms* in MonthsMinimum Loan AmountAPR** 730+ A+
up to 240 N/A 8.50%
Rate based on the Prime Rate

Ten year draw; ten year payoff

Variable rate can change annually at 2% over prime

Rate Discounts
ServiceRate
GAP Insurance 0.50%
Payroll Deduction/Auto transfer 0.25%
Credit card 0.50%
SecurLock 0.50%
Maximum rate discount of 1% is allowed
Discounts cannot exceed floor rate.

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