Header Image

Rates & Fees

Effective as of: 03/15/19
Consumer Lending Rates
Credit Tier according to Credit Score
Loan GradeABCDE
Credit Score680 and up640-679580-639540-579539 and Below
 
New Auto Loans 2018 and Newer
(Vehicle with more than 15k miles will be assessed at used vehicle rates)
Loan Grade36 Months48 Months60 Months72 Months84 Months
A2.49%3.49%3.99%4.49%4.99%
B3.99%4.49%4.99%5.49%5.99%
C9.99%10.49%10.99%11.49%11.99%
D15.99%16.49%16.99%17.49%N/A
E16.49%16.99%17.49%17.99%N/A
**For Motorcycles add 0.50% to all auto loan rates.
 
Used/Classic Auto Loans 2008-2017
(Classic Cars must be 30 years old and in good condition)
Loan Grade36 Months48 Months60 Months72 Months84 Months
A3.49%4.49%4.99%5.49%5.99%
B5.99%6.49%6.99%7.49%7.99%
C11.99%12.49%12.99%13.49%13.99%
D15.99%16.49%16.99%17.49%N/A
E16.49%16.99%17.49%17.99%N/A
**For Motorcycles add 0.50% to all auto loan rates.
 
Used Auto Loans 2007 and Older
Loan Grade36 Months48 Months60 Months72 Months84 Months
A4.99%5.49%5.99%6.49%6.99%
B7.99%8.49%8.99%9.49%9.99%
C12.99%13.49%13.99%14.49%14.99%
D16.49%16.99%17.49%17.99%N/A
E17.49%17.99%N/AN/AN/A
**For Motorcycles add 0.50% to all auto loan rates.
 
New Other Recreational Collateral 2018 and Newer
36 Months48 Months60 Months72 Months84 Months120 Months
(A) 5.99%(A) 6.24%(A) 6.49%(A) 6.74%(A) 6.99%(A) 7.24%
(B) 6.99%(B) 7.24%(B) 7.49%(B) 7.74%(B) 7.99%(B) 8.24%
(C) 12.99%(C) 13.24%(C) 13.49%(C) 13.74%(C) 13.99%(C) 14.24%
(D) 14.99%(D) 15.49%(D) 15.99%(D) 16.49%(D) 16.99%D N/A
(E) 15.99%(E) 16.49%(E) 16.99%(E) 17.49%(E) 17.99%(E) N/A
(All terms of 120 Months are subject to loan balances of $50k and above)
 
Used Other Recreational Collateral 2018 and Older
36 Months48 Months60 Months72 Months84 Months120 Months
(A) 6.99%(A) 7.24%(A) 7.49%(A) 7.74%(A) 7.99%(A) 8.24%
(B) 7.99%(B) 8.24%(B) 8.49%(B) 8.74%(B) 8.99%(B) 9.24%
(C) 13.99%(C) 14.49% (C) 14.99%(C) 15.49%(C) 15.99%(C) 16.49%
(D) 15.49%(D) 15.99%(D) 16.49%(D) 16.99%(D) 17.49%(D) N/A
(E) 16.99%(E)17.24%(E) 17.49%(E) 17.74%(E) 17.99%(E) N/A
(All terms of 120 months are subject to loan balances of $50k and above)
 
Unsecured Line of Credit 60 Month Term
Loan GradeABCDE
Rate8.99%10.99%15.99%17.49%17.99%
 
Home Equity Line of Credit
Loan GradeABCDE
Rate6.74%7.24%12.49%12.99%13.49%
(180 Month term with a fixed rate. Lines have a 60 Month draw period. Minimum initial advance is $10k; subsequent advances afterwards are $1,000 minimum)
 
Visa Classic Credit Card 36 Month Term
Loan GradeABCDE
Rate6.99%8.99%14.99%17.49%17.99%
 
Signature Loans
Loan Grade36 Months48 Months60 Months
A6.99%7.99%8.99%
B8.99%9.99%10.99%
C14.99%15.49%15.99%
D16.99%17.49%N/A
E17.49%17.99%N/A
 
Loan TypeOrigination FeeRate
Tax Refund Loan$125.07.99%
Vacation Check Loan$125.007.99%
Share Secured LoanN/A3% plus dividend rate
 
Gold Checking members get 0.50% discount on loans, excluding Home Equity Line of Credit accounts and VISA Credit Cards.

Apply Now
Back to Top