Loan Rates
New Auto Loans
Effective Date: Monday, March 17th, 2025
2021 or Newer
| Terms* in Months | Minimum Loan Amount | APR** 730+ A+ |
|---|---|---|
| Up to 60 | $3,000 | 5.99% |
| 61 - 72 | $3,000 | 6.24% |
| Loan value for New Auto based on MSRP Loan value for Used Autos based on NADA Clean Retail Value | ||
Used Auto Loans
Effective Date: Monday, March 17th, 2025
2015-2020
| Terms* in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| Up to 60 | $3,000 | 7.99% |
| 61 - 72 | $3,000 | 8.49% |
New Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc.
Effective Date: Monday, March 17th, 2025
2020 or Newer
| Terms* in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| Up to 60 | $3,000 | 6.24% |
| 61 - 120 | $10,000 | 6.74% |
| 121 -180 | $20,000 | 7.24% |
| 181-240 | $50,000 | 7.74% |
Used Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc.
Effective Date: Monday, March 17th, 2025
2014-2019
| Terms* in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| Up to 60 | $3,000 | 6.49% |
| 61-120 | $10,000 | 6.99% |
| 121-180 | $20,000 | 7.49% |
| 181-240 | $50,000 | 7.99% |
Personal Loans (Signature)
Effective Date: Monday, March 17th, 2025
| Terms* in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| 12-48 | $500-$4,999 | 9.99% |
| 12-60 | $5,000+ | 10.99% |
| 61-72 | $5,000+ | 11.49% |
| 73-84 | $5,000+ | 12.49% |
Overdraft Line of Credit
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| N/A | $250 | 15.00% |
Revolving Line of Credit
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| N/A | $250 | 15.00% |
Opportunity Loan
Effective Date: April 3, 2023
| Terms* in Months | Minimum Loan Amount | APR** 720+ 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** 720+ A+ |
|---|---|---|
| up to 12 months | $1,100 | 12.00% |
Share Secured Loan
Effective Date: Monday, March 17th, 2025
No Discounts
| Terms in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| up to 84 | any amount | prime |
Certificate Secured Loan
Effective Date: May 20, 2024
| Terms in Months | Minimum Loan Amount | APR** 720+ 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** 720+ A+ |
|---|---|---|
| N/A | $250 | 9.99% |
Secured Visa Card
Effective Date: May 20, 2024
| Terms* in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| N/A | $250 | 9.99% |
Home Equity Line of Credit
Effective Date: Monday, March 17th, 2025
| Terms* in Months | Minimum Loan Amount | APR** 720+ A+ |
|---|---|---|
| up to 240 | N/A | 7.50% |
| 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 |
|---|---|
| Payroll Deduction/Auto transfer | 0.25% |
| Maximum rate discount of .25% is allowed Discounts cannot exceed floor rate. | |