Rates Are Effective As of August 16th, 2022
New Auto Loans
Model years 2022 – 2020
Co-borrower: 620 score or higher
Deduct .25% from interest rate if payment is automatically deducted from their checking account.
| Credit Score | 730+ | 729 - 700 | 699 - 670 | 669 - 640 | 639 - 620 | 619 - 600 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 24 - 63 | 3.19% | 3.49% | 3.99% | 5.04% | 6.84% | 8.84% |
| 64 - 75 | 3.59% | 3.79% | 4.19% | 5.99% | 7.79% | 9.79% |
| 76 - 84 | 4.49% | 4.74% | 5.09% | N/A | N/A | N/A |
| Maximum Advance | 125% | 125% | 115% | 100% | 100% | 85% |
| Maximum Amount | $50,000.00 | $50,000.00 | $50,000.00 | $32,000.00 | $32,000.00 | $22,000.00 |
| Debt to Income | 45% | 45% | 45% | 40% | 40% | 35% |
Used Auto Loans
Model years 2019 – 2015
Co-borrower: 620 score or higher
Deduct .25% from interest rate if payment is automatically deducted from their checking account.
| Credit Score | 730+ | 729 - 700 | 699 - 670 | 669 - 640 | 639 - 620 | 619 - 600 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 24 - 63 | 3.29% | 3.59% | 4.29% | 5.54% | 9.04% | 11.04% |
| 64 - 75 | 3.69% | 4.19% | 4.79% | 5.79% | 9.29% | 11.29% |
| 76 - 84 | 4.74% | 4.99% | 5.29% | N/A | N/A | N/A |
| Maximum Advance | 125% | 125% | 115% | 100% | 100% | 85% |
| Maximum Amount | $30,000.00 | $30,000.00 | $30,000.00 | $20,000.00 | $20,000.00 | $15,000.00 |
| Debt to Income | 45% | 45% | 45% | 40% | 40% | 35% |
Older Used Auto Loans
Model years 2014 – 2013
Deduct .25% from interest rate if payment is automatically deducted from their checking account.
Maximum Amount – $30,000.000
| Credit Score | 730+ | 729 - 700 | 699 - 670 | 669 - 640 | 639 - 620 | 619 - 600 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 24 - 63 | 5.49% | 5.79% | 6.24% | 6.49% | 9.49% | 11.49% |
| Maximum Advance | 125% | 125% | 115% | 100% | 100% | 85% |
New Motorcycle Loans
Model years 2022 – 2020
Co-borrower: 620 score or higher
Deduct .25% from interest rate if payment is automatically deducted from their checking account.
| Credit Score | 730+ | 729 - 700 | 699 - 670 | 669 - 640 | 639 - 620 | 619 - 600 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 3.00% | 4.00% | 6.00% | 9.00% | 13.00% | 16.00% |
| 24 | 3.00% | 4.00% | 6.00% | 9.00% | 13.00% | 16.00% |
| 36 | 3.25% | 4.25% | 6.25% | 9.25% | 13.25% | 16.25% |
| 48 | 3.75% | 4.45% | 6.35% | 9.45% | 13.45% | 16.45% |
| 60 | 4.45% | 4.75% | 6.45% | 9.75% | 14.45% | 17.45% |
| 72 | 4.75% | 6.00% | 7.45% | 10.45% | 15.45% | N/A |
| Maximum Amount | $50,000.00 | $50,000.00 | $50,000.00 | $32,000.00 | $32,000.00 | $22,000.00 |
| Debt to Income | 45% | 45% | 45% | 40% | 40% | 35% |
Used Motorcycle Loans
Model years 2019 – 2014
Co-borrower: 620 score or higher
Deduct .25% from interest rate if payment is automatically deducted from their checking account.
| Credit Score | 730+ | 729 - 700 | 699 - 670 | 669 - 640 | 639 - 620 | 619 - 600 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 3.00% | 4.00% | 6.00% | 9.00% | 13.00% | 16.00% |
| 24 | 3.00% | 4.00% | 6.00% | 9.00% | 13.00% | 16.00% |
| 36 | 3.25% | 4.25% | 6.25% | 9.25% | 13.25% | 16.25% |
| 48 | 3.75% | 4.45% | 6.35% | 9.45% | 13.45% | 16.45% |
| 60 | 4.45% | 4.75% | 6.45% | 9.75% | 14.45% | 17.45% |
| 72 | 4.75% | 6.00% | 7.45% | 10.45% | 15.45% | N/A |
| Maximum Amount | $30,000.00 | $30,000.00 | $30,000.00 | $20,000.00 | $20,000.00 | $15,000.00 |
| Debt to Income | 45% | 45% | 45% | 40% | 40% | 35% |
New RV Loans
Model years 2022 – 2020
Deduct .25% from interest rate if payment is automatically deducted from their checking account.
Maximum Amount – $50,000.000
| Credit Score | 730+ | 729 - 700 | 699 - 670 | 669 - 640 | 639 - 620 | 619 - 600 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 3.00% | 4.00% | 6.00% | 9.00% | 13.00% | 16.00% |
| 24 | 3.00% | 4.00% | 6.00% | 9.00% | 13.00% | 16.00% |
| 36 | 3.25% | 4.25% | 6.25% | 9.25% | 13.25% | 16.25% |
| 48 | 3.75% | 4.45% | 6.35% | 9.45% | 13.45% | 16.45% |
| 60 | 4.45% | 4.75% | 6.45% | 9.75% | 14.45% | 17.45% |
| 72 | 4.75% | 6.00% | 7.45% | 10.45% | 15.45% | N/A |
Used RV Loans
Model years 2019 – 2014
Deduct .25% from interest rate if payment is automatically deducted from their checking account.
Maximum Amount – $50,000.000
| Credit Score | 730+ | 729 - 700 | 699 - 670 | 669 - 640 | 639 - 620 | 619 - 600 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 3.00% | 4.00% | 6.00% | 9.00% | 13.00% | 16.00% |
| 24 | 3.00% | 4.00% | 6.00% | 9.00% | 13.00% | 16.00% |
| 36 | 3.25% | 4.25% | 6.25% | 9.25% | 13.25% | 16.25% |
| 48 | 3.75% | 4.45% | 6.35% | 9.45% | 13.45% | 16.45% |
| 60 | 4.45% | 4.75% | 6.45% | 9.75% | 14.45% | 17.45% |
| 72 | 4.75% | 6.00% | 7.45% | 10.45% | 15.45% | N/A |
Personal Loan
1 – 5 Year Term
Co-borrower: 620 score or higher
| Credit Score | 730 - 850 | 680 - 729 | 640 - 679 | 600 - 639 | 550 - 599 | 549 or less |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 8.95% | 9.95% | 11.95% | 13.95% | 15.95% | 17.95% |
| 24 | 8.95% | 9.95% | 11.95% | 13.95% | 15.95% | 17.95% |
| 48 | 8.95% | 9.95% | 11.95% | 13.95% | 15.95% | 17.95% |
| 60 | 8.95% | 9.95% | 11.95% | 13.95% | 15.95% | 17.95% |
| 72 | N/A | N/A | N/A | N/A | N/A | N/A |
| Maximum Amount (1 Signature) | $7,500.00 | $7,500.00 | $7,500.00 | $5,000.00 | $5,000.00 | $2,000.00 |
| Maximum Amount (2 Signatures) | $15,000.00 | $15,000.00 | $15,000.00 | $10,000.00 | $10,000.00 | $5,000.00 |
| Debt to Income | 45% | 45% | 45% | 40% | 40% | 35% |
Consolidation Loan
1 – 5 Year Term
| Credit Score | 730 - 850 | 680 - 729 | 640 - 679 | 600 - 639 | 550 - 599 | 549 or less |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 8.95% | 9.95% | 11.95% | 13.95% | 15.95% | 17.95% |
| 24 | 8.95% | 9.95% | 11.95% | 13.95% | 15.95% | 17.95% |
| 48 | 8.95% | 9.95% | 11.95% | 13.95% | 15.95% | 17.95% |
| 60 | 8.95% | 9.95% | 11.95% | 13.95% | 15.95% | 17.95% |
| 72 | N/A | N/A | N/A | N/A | N/A | N/A |
| Maximum Amount (1 Signature) | $7,500.00 | $7,500.00 | $7,500.00 | $5,000.00 | $5,000.00 | $2,500.00 |
| Maximum Amount (2 Signature) | $15,000.00 | $15,000.00 | $15,000.00 | $10,000.00 | $10,000.00 | $5,000.00 |
| Debt to Income | 45% | 45% | 45% | 40% | 40% | 35% |
Share Secured Loan
| Share Secured by Savings (Passbook) | Term | APR* |
|---|---|---|
| Fixed Rate | 12 Months | 4.00% above current rate on dividends earned on shares or certificates |
| Fixed Rate | 24 Months | 4.00% above current rate on dividends earned on shares or certificates |
| Fixed Rate | 36 Months | 4.00% above current rate on dividends earned on shares or certificates |
| Fixed Rate | 48 Months | 4.00% above current rate on dividends earned on shares or certificates |
| Fixed Rate | 60 Months | 4.00% above current rate on dividends earned on shares or certificates |
*APR – Annual Percentage Rate