Rates Are Effective As of July 24th, 2020
New Auto Loans
Model years 2020 – 2018
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 - 620 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 24 - 63 | 2.99% | 3.24% | 3.49% | 4.54% | 6.34% | 8.34% |
| 64 - 75 | 3.24% | 3.59% | 3.69% | 5.49% | 7.29% | 9.29% |
| 76 - 84 | 3.99% | 4.24% | 4.59% | 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 2017 – 2013
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 - 620 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 24 - 63 | 3.24% | 3.59% | 3.79% | 5.04% | 8.54% | 10.54% |
| 64 - 75 | 3.49% | 3.94% | 4.29% | 5.29% | 8.79% | 10.79% |
| 76 - 84 | 4.24% | 4.49% | 4.79% | 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 2012 – 2011
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 - 620 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 24 - 63 | 4.99% | 5.29% | 5.74% | 5.99% | 8.99% | 10.99% |
| Maximum Advance | 125% | 125% | 115% | 100% | 100% | 85% |
New Motorcycle Loans
Model years 2020 – 2018
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 - 620 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 2.50% | 3.50% | 5.50% | 8.50% | 12.50% | 15.50% |
| 24 | 2.50% | 3.50% | 5.50% | 8.50% | 12.50% | 15.50% |
| 36 | 2.75% | 3.75% | 5.75% | 8.75% | 12.75% | 15.75% |
| 48 | 3.25% | 3.95% | 5.85% | 8.95% | 12.95% | 15.95% |
| 60 | 3.95% | 4.25% | 5.95% | 9.25% | 13.95% | 16.95% |
| 72 | 4.25% | 5.50% | 6.95% | 9.95% | 14.95% | 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 2017 – 2013
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 - 620 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 2.50% | 3.50% | 5.50% | 8.50% | 12.50% | 15.50% |
| 24 | 2.50% | 3.50% | 5.50% | 8.50% | 12.50% | 15.50% |
| 36 | 2.75% | 3.75% | 5.75% | 8.75% | 12.75% | 15.75% |
| 48 | 3.25% | 3.95% | 5.85% | 8.95% | 12.95% | 15.95% |
| 60 | 3.95% | 4.25% | 5.95% | 9.25% | 13.95% | 16.95% |
| 72 | 4.25% | 5.50% | 6.95% | 9.95% | 14.95% | 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 2020 – 2018
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 - 620 |
|---|---|---|---|---|---|---|
| Term (Months) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) | Rate (APR*) |
| 12 | 2.50% | 3.50% | 5.50% | 8.50% | 12.50% | 15.50% |
| 24 | 2.50% | 3.50% | 5.50% | 8.50% | 12.50% | 15.50% |
| 36 | 2.75% | 3.75% | 5.75% | 8.75% | 12.75% | 15.75% |
| 48 | 3.25% | 3.95% | 5.85% | 8.95% | 12.95% | 15.95% |
| 60 | 3.95% | 4.25% | 5.95% | 9.25% | 13.95% | 16.95% |
| 72 | 4.25% | 5.50% | 6.95% | 9.95% | 14.95% | N/A |
Used RV Loans
Model years 2017 – 2013
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 | 2.50% | 3.50% | 5.50% | 8.50% | 12.50% | 15.50% |
| 24 | 2.50% | 3.50% | 5.50% | 8.50% | 12.50% | 15.50% |
| 36 | 2.75% | 3.75% | 5.75% | 8.75% | 12.75% | 15.75% |
| 48 | 3.25% | 3.95% | 5.85% | 8.95% | 12.95% | 15.95% |
| 60 | 3.95% | 4.25% | 5.95% | 9.25% | 13.95% | 16.95% |
| 72 | 4.25% | 5.50% | 6.95% | 9.95% | 14.95% | 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