Loan Rates

Loan Rates Effective: April 1, 2022
Loan TypeModel YearTerms
(Months)
APR 1
(As Low As)
New Auto2019 & newer
362.24%
482.49%
602.49%
723.24%
Minimum loan of $25,000843.74%
Advantage Plus Auto – Balloon2019 & newer models
363.24%
483.49%
603.49%
724.24%
Advantage Plus Auto – Balloon2018 & 2017 models
364.24%
484.24%
604.24%
Used Auto2015-2018
363.24%
483.24%
603.24%
723.99%
Older Auto2014 & older
366.49%
486.74%
606.99%
New Motorcycle & ATV2019 & newer
362.99%
483.24%
603.74%
724.24%
Used Motorcycle & ATV2018 & older
363.99%
484.24%
604.49%
New RV & Boat2019 & newer
363.74%
604.49%
965.24%
Minimum loan of $20,0001205.99%
Minimum loan of $25,0001806.49%
Used RV & Boat2018 & 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
125.24%
246.24%
367.24%
608.24%
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 Position603.24%
 1st Position1203.74%
 1st Position1803.99%
Home Equity Fixed Rate²
 2nd Position604.24%
 2nd Position1204.74%
 2nd Position1804.99%
Adjustable Rate Home Equity LOC
1st Position10 year draw3.24%
2nd Position10 year draw3.99%

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.