Loan Rates

Loan Rates Effective: December 1, 2021
Loan TypeModel YearTerms
(Months)
APR 1
(As Low As)
New Auto2018 & newer
362.24%
482.49%
602.49%
723.24%
Minimum loan of $25,000843.74%
Advantage Plus Auto – Balloon2018 & newer models
363.24%
483.49%
603.49%
724.24%
Minimum loan of $25,000844.74%
Advantage Plus Auto – Balloon2017 & 2016 models
364.24%
484.24%
604.24%
724.99%
Used Auto2014-2017
363.24%
483.24%
603.24%
723.99%
Older Auto2013 & older
366.49%
486.74%
606.99%
New Motorcycle & ATV2018 & newer
362.99%
483.24%
603.74%
724.24%
Used Motorcycle & ATV2017 & older
363.99%
484.24%
604.49%
New RV & Boat2018 & newer
363.74%
604.49%
965.24%
Minimum loan of $20,0001205.99%
Minimum loan of $25,0001806.49%
Used RV & Boat2017 & older
364.74%
605.49%
966.49%
Minimum loan of $20,0001207.49%
Minimum loan of $25,0001807.99%
Loan TypeTerm
(Months)
APR 1
(As Low As)
Personal (Signature) Loan
124.99%
245.99%
366.99%
607.99%
Overdraft Protection ²
6010.99%
Secured Loans
Certificate Secured Loans ²Term of CertificateCertificate Rate + 3%
Share Secured Loans ²10 Year Max TermShare Rate + 3%
Visa Credit Card ²
Fixed Rate Visa Credit Card8.99%
Home Equity Fixed Rate ²
 1st Position602.99%
 1st Position1203.49%
 1st Position1803.74%
Home Equity Fixed Rate²
 2nd Position603.99%
 2nd Position1204.49%
 2nd Position1804.74%
Adjustable Rate Home Equity LOC
1st Position10 year draw2.99%
2nd Position10 year draw3.74%

Auto Loan Payment Example:
The payment on a $10,000 loan would be $180.76 by using $18.08 per $1,000 at a non-variable interest rate of 3.24% APR¹ with a 60 month term.

Home Equity Loan Payment Example:
The payment on a $50,000 loan would be $530.33 by using $53.03 per $1,000 at a non-variable interest rate of 5.00% APR¹ with a 10 year term.

Adjustable Rate Home Equity LOC:
Variable rates are set to adjust annually after fixed rate period ends to a minimum of prime interest rate plus 0.00%. The prime interest rate is currently 4.75% APR. The maximum annual percentage rate that may be imposed in a variable rate plan is 15.00% APR. Consult a tax advisor regarding the deductibility of interest.

Personal Loan Payment Example:
The payment on a $10,000 loan would be $205.12, $20.51 per $1,000 at a non-variable interest rate of 8.49% APR¹ with a 60 month term.