Loan Rates
Rates effective October 1, 2020
| Loan Type | Annual Percentage Rate |
| NEW AUTO RATES | |
| 24 months - 48 months | STARTING AT 2.99% |
| 60 - 72 months | STARTING AT 2.99% |
 |
|
| USED AUTO RATES (N.A.D.A values are used) | |
|
1 year up to 72 months |
STARTING AT 3.25% 100% of retail under 15,000 miles |
|
2 yrs. old up to 60 months |
STARTING AT 3.25% 95% of retail |
|
3 yrs. old up to 54 months |
STARTING AT 3.25% 90% of retail |
|
4 - 6 yrs. old up to 48 months |
STARTING AT 3.25% 85% of retail |
|
7 yrs. & older 36 months |
STARTING AT 3.25% 75% of retail |
|
|
| CREDIT CARD | |
| VISA Platinum | 8.99% |
| VISA Classic | 12.99% |
|
|
| ALL OTHER LOAN RATES | |
| A
Credit Score 700+. Maximum $10,000 depending on debts & income - max terms 36 months |
7.75% |
| B
Credit Score 699-675. Maximum $10,000 depends on debts & income - max terms 36 months |
8.75% |
| C
Credit Score 674-650. Maximum $10,000 depends on debts & income - max terms 36 months |
10.75% |
| D
Credit Score below 650. Credit Rebuilder Loan Maximum. $3,500. Max 18 Mths |
Starting at 18.00% |
| Pay Day Loans | 18.00% |
|
FULLY-Share (savings) Secured (Terms vary share balance maximum) |
2.50% |
| We no longer offer motorcycle loans - NEW | |
| We no longer offer motorcycle loans - USED | |
*APR = Annual Percentage Rate
Late fee-$10 or 5% of default amount (not less than $5), whichever is less, if more than 10 days late.
*Loans subject to credit approval;some restrictions apply.
