Loan Rates
New Auto Loans
Effective Date: Tuesday, October 8th, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| Up to 36 | $500 | 6.85% |
| 37 - 48 | $5,000 | 6.95% |
| 49 - 60 | $10,000 | 7.00% |
| 61 - 72 | $15,000 | 7.10% |
| 73 - 84 | $20,000 | 7.30% |
| 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 Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| Up to 36 | $500 | 7.12% |
| 37 - 48 | $5,000 | 7.25% |
| 49 - 60 | $10,000 | 7.50% |
| 61 - 72 | $15,000 | 7.75% |
| 73 - 84 | $20,000 | 8.00% |
| 85 - 96 | $30,000 | 8.25% |
Older Used Auto Loans
Effective Date: Tuesday, October 8th, 2024
NO PAYMENTS DUE FOR 90 DAYS
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| Up to 36 | $500 | 7.45% |
| 37 - 48 | $5,000 | 7.65% |
| 49 -60 | $10,000 | 7.95% |
New Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc.
Effective Date: Tuesday, October 8th, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| Up t 60 | $500 | 7.45% |
| 61 - 120 | $15,000 | 7.65% |
| 121 -180 | $30,000 | 7.95% |
| Up to 60 | $50,001 | 7.95% |
| 61 - 120 | $65,000 | 8.15% |
Used Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc.
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| Up to 60 | $500 | 7.95% |
| 61-120 | $15,000 | 8.15% |
| 121-144 | $20,000 | 8.50% |
| 61-120 | $40,000 | 8.00% |
| 121-144 | $50,000 | 9.00% |
Personal Loans (Signature) - over $5,000 and under $15,000
Effective Date: Tuesday, October 8th, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| Up to 36 | $250 | 10.25% |
| 37-48 | $250 | 10.50% |
| 49-60 | $250 | 10.75% |
Personal Loans (Signature) - over $15,000
Effective Date: Tuesday, October 8th, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| Up to 36 | $15,000 | 10.00% |
| 37-48 | $15,000 | 10.25% |
| 49-60 | $15,000 | 11.00% |
Overdraft Line of Credit
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| N/A | $250 | 15.00% |
Revolving Line of Credit
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| N/A | $250 | 15.00% |
Opportunity Loan
Effective Date: April 3, 2023
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| 6 | $500 | N/A |
| 12 | $1,000 | N/A |
Advantage Pay Recovery
Effective Date: April 3, 2023
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| up to 12 months | $1,100 | 12.00% |
Share Secured Loan
Effective Date: May 20, 2024
No Discounts
| Terms in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| up to 144 | $250 | 5.50% |
Certificate Secured Loan
Effective Date: May 20, 2024
| Terms in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| up to 144 | N/A | Rate issued at 2% over rate of pledged certificate |
Visa®
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| N/A | $250 | 9.99% |
Secured Visa Card
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| N/A | $250 | 9.99% |
Home Equity Line of Credit
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 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
| Service | Rate |
|---|---|
| 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. | |