Consumer Lending Rates
EFFECTIVE 02/01/2019
Credit Tier according to Credit Score
Loan Grade |
A |
B |
C |
D |
E |
Credit Score |
680+ |
640-679 |
580-639 |
540-579 |
539 & below |
Auto Loans
New Auto Loans 2018 & Newer**
(Vehicle with more than 15k miles will be assessed at used vehicle rates)
Loan Grade |
36 Months |
48 Months |
60 Months |
72 Months |
84 Months |
A |
1.99% |
2.49% |
2.99% |
3.49% |
4.49% |
B |
2.99% |
3.49% |
3.99% |
4.49% |
5.49% |
C |
8.99% |
9.49% |
9.99% |
10.49% |
10.99% |
D |
15.99% |
16.49% |
16.99% |
17.49% |
N/A |
E |
16.49% |
16.99% |
17.49% |
17.99% |
N/A |
** For Motorcycles add 0.50% to all auto loan rates**
Used Auto Loans 2008-2017, and Classic Vehicles at least 30 years old in Good condition**
Loan Grade |
36 Months |
48 Months |
60 Months |
72 Months |
84 Months |
A |
2.99% |
3.49% |
3.99% |
4.49% |
4.99% |
B |
4.99% |
5.49% |
5.99% |
6.49% |
6.99% |
C |
10.99% |
11.49% |
11.99% |
12.49% |
12.99% |
D |
15.99% |
16.49% |
16.99% |
17.49% |
N/A |
E |
16.49% |
16.99% |
17.49% |
17.99% |
N/A |
Used Auto Loans 2007 & Older**
Loan Grade |
36 Months |
48 Months |
60 Months |
72 Months |
84 Months |
A |
3.99% |
4.49% |
4.99% |
5.49% |
5.99% |
B |
6.99% |
7.49% |
7.99% |
8.49% |
8.99% |
C |
11.99% |
12.49% |
12.99% |
13.49% |
13.99% |
D |
16.49% |
16.99% |
17.49% |
17.99% |
N/A |
E |
17.49% |
17.99% |
N/A |
N/A |
N/A |
**For Motorcycles add 0.50% to rates**
Other Recreational Collateral
New Other Recreational Collateral 2018 & Newer
(Never been titled or owned)
Loan Grade |
36 Months |
48 Months |
60 Months |
72 Months |
84 Months |
120 Months |
A |
4.99% |
5.24% |
5.49% |
5.74% |
5.99% |
6.24% |
B |
5.99% |
6.24% |
6.49% |
6.99% |
7.24% |
7.49% |
C |
8.99% |
9.24% |
9.49% |
9.74% |
9.99% |
10.24% |
D |
14.99% |
15.49% |
15.99% |
16.49% |
16.99% |
N/A |
E |
15.99% |
16.49% |
16.99% |
17.49% |
17.99% |
N/A |
**All terms of 120 months are subject to loan balance of $50k and above**
Used Other Recreational Collateral 2018 & Older
Loan Grade |
36 Months |
48 Months |
60 Months |
72 Months |
84 Months |
120 Months |
A |
5.99% |
6.24% |
6.49% |
6.74% |
6.99% |
7.24% |
B |
6.99% |
7.24% |
7.49% |
7.74% |
7.99% |
8.24% |
C |
10.99% |
11.24% |
11.49% |
11.74% |
11.99% |
12.49% |
D |
15.49% |
15.99% |
16.49% |
16.99% |
17.49% |
N/A |
E |
16.99% |
17.24% |
17.49% |
17.74% |
17.99% |
N/A |
**All Terms of 120 Months are subject to loan balances of $50K and above**
Unsecured Line of Credit 60 Month Term
Loan Grade |
A |
B |
C |
D |
E |
Rate |
8.99% |
10.99% |
15.99% |
17.49% |
17.99% |
Home Equity Line of Credit**
Loan Grade |
A |
B |
C |
D |
E |
Rate |
6.75% |
7.25% |
7.75% |
9.25% |
9.75% |
**180 month term with a fixed rate. Lines have a 60 month draw period. Minimum initial advance is $10k; subsequent advances afterward are $1,000.00**
VISA Classic Credit Card 36 Month Term
Loan Grade |
A |
B |
C |
D |
E |
Rate |
6.99% |
8.99% |
14.99% |
17.49% |
17.99% |
* Rates are subject to change. All loan rates quoted as annual percentage rates. Loan rates may vary depending on credit qualifications including term of loan, year of vehicle, and credit history. Please call or come in for your qualifying rate.
Signature Loans
Loan Grade |
36 Months |
48 Months |
60 Months |
A |
6.99% |
7.99% |
8.99% |
B |
8.99% |
9.99% |
10.99% |
C |
14.99% |
15.49% |
15.99% |
D |
16.99% |
17.49% |
N/A |
E |
17.49% |
17.99% |
N/A |
Loan Type |
Origination Fee |
Rate |
Tax Refund Loan |
$125.00 |
7.99% |
Vacation Check Loan |
$125.00 |
7.99% |
Shared Secured Loan |
N/A |
3% plus dividend rate |
Gold Checking get 0.50% Discount on Loans