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.

Equal Housing Lender