Loan Rates

Loan Rates Effective: August 1, 2022
Loan TypeModel YearTerms
(Months)
Rate
(As Low As)
New Auto2019 & newer
362.74%
482.99%
603.24%
723.74%
Minimum loan of $25,000844.24%
Advantage Plus Auto – Balloon2019 & newer models
363.74%
483.99%
604.24%
724.74%
Advantage Plus Auto – Balloon2018 & 2017 models
364.74%
484.74%
604.74%
Used Auto2015-2018
363.74%
483.99%
604.24%
724.74%
Older Auto2014 & older
366.99%
487.24%
607.49%
New Motorcycle & ATV2019 & newer
363.49%
483.74%
604.24%
724.74%
Used Motorcycle & ATV2018 & older
364.49%
484.74%
604.99%
New RV & Boat2019 & newer
364.24%
604.99%
965.74%
Minimum loan of $20,0001206.49%
Minimum loan of $25,0001806.99%
Used RV & Boat2018 & older
365.24%
605.99%
966.99%
Minimum loan of $20,0001207.99%
Minimum loan of $25,0001808.49%
Loan TypeTerm
(Months)
Rate
(As Low As)
Personal (Signature) Loan
125.74%
246.74%
367.74%
608.74%
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
Non-variable Rate Visa Credit Card8.99%
Home Equity Fixed Rate ²
 1st Position604.250%
 1st Position1204.750%
 1st Position1805.125%
Home Equity Fixed Rate²
 2nd Position605.500%
 2nd Position1205.750%
 2nd Position1806.125%
Adjustable Rate Home Equity LOC
1st Position10 year draw4.99%
2nd Position10 year draw5.99%

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 3.50% 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.