Current Loan Rates

Rates Effective 01/01/2016

Rate Reductions Available on Vehicle and RV Loans
Automatic Payment	0.25%

New and Used Street Legal Vehicle Loan Rates up to 5 Years Old (2016 to 2012)
Grade	Score	0-60 Months	61-72 Months	73-84 Months	85-96 Months	LTV
A	700+	2.99%	3.99%	5.25%	6.50%	120%
B	660-699	3.99%	4.99%	6.25%	7.50%	110%
C	620-659	6.00%	7.00%	8.50%	10.00%	100%
D	560-619	9.50%	11.50%	-	-	100%*
0	0 - Null	11.00%	12.00%	-	-	100%
E	-559	13.50%	15.50%	-	-	100%*

New and Used Street Legal Vehicle Loan Rates 6 to 10 Years Old (2011 to 2007)
Grade	Score	0-60 Months	61-72 Months	73-84 Months	85-96 Months	LTV
A	700+	3.50%	4.25%	5.75%	7.00%	120%
B	660-699	4.50%	5.25%	6.75%	8.00%	110%
C	620-659	7.00%	8.00%	9.50%	11.00%	100%
D	560-619	10.00%	12.00%	-	-	100%*
0	0 - Null	12.00%	13.00%	-	-	100%
E	-559	14.00%	16.00%	-	-	100%*

New and Used Street Legal Vehicle Loan Rates 11 to 20 Years Old (2006 to 1997)
Grade	Score	0-60 Months	61-72 Months	73-84 Months	85-96 Months	LTV
A	700+	4.50%	5.25%	-	-	120%
B	660-699	5.50%	6.25%	-	-	110%
C	620-659	8.00%	9.00%	-	-	100%
D	560-619	10.50%	12.50%	-	-	100%
0	0 - Null	13.00%	14.00%	-	-	100%
E	-559	14.50%	16.50%	-	-	100%*

*GPS Units may be required for "Null" or "0" credit scores that qualify for a "C" rate.
* D and E Scores - LTV up to 100% with GPS/Payment Device (Maximum of 90% without device)
Branded Titles - Secured Rate + 4.50% (Maximum Term of 48 Months)

Recreational Vehicle Loan Rates
Grade	Score	0-60 Months	61-72 Months	73-84 Months	85-120 Months	LTV
A	700+	4.50%	5.25%	7.50%	8.50%	120%
B	660-699	5.50%	6.25%	8.50%	9.50%	110%
C	620-659	7.00%	8.00%	10.00%	11.00%	100%
D	560-619	10.50%	12.50%	-	-	80%
E	-559	14.50%	16.50%	-	-	80%

 

Cars of Particular Interest Loan Rates
Grade	Score	0-60 Months	61-72 Months	73-84 Months	85-120 Months	LTV
A	700+	4.50%	5.25%	7.50%	8.50%	100%
B	660-699	5.50%	6.25%	8.50%	9.50%	100%
C	620-659	7.00%	8.00%	10.00%	11.00%	90%
D	560-619	10.50%	12.50%	-	-	80%
E	-559	14.50%	16.50%	-	-	80%

Personal Loan Rates Grade Score 0-60 Months A 700+ 10.00% B 660-699 12.00% C 620-659 14.00% D 560-619 16.00% 0 0 - Null 17.00% E -559 18.00%

Other Rates Product Current Rate MasterCard Classic 13.50% MasterCard Platinum 9.90% Overdraft LOC 18.00% Share Secured Share Rate + 3.00% CD Secured CD Rate + 2.00%

NOTE: All fixed consumer loans listed above have a 5 month flexibility on the term when adding CD/CL

Home Improvement Rates Grade Score 0-120 Months A 700+ 6.00% B 660-699 7.00% C 620-659 8.00% D 560-619 10.00% E -559 12.00%

Note: Home Improvement Maximum Loan Amount $50,000.00 up to 133% LTV

HELOC 80% LTV (5 Year Draw + up to 20 Year Re-Payment)
Grade	Score	Adj to Prime	Current Rate	Floor	Ceiling	Prime
A	700+	0.75%	4.25%	4.00%	-	3.50%
B	660-699	1.75%	5.25%	4.00%	-
C	620-659	2.75%	6.25%	4.00%	-
D	560-619	4.75%	8.25%	4.00%	-
E	-559	6.75%	10.25%	4.00%	-

 

HELOC 100% LTV (5 Year Draw + up to 20 Year Re-Payment)
Grade	Score	Adj to Prime	Current Rate	Floor	Ceiling	Prime
A	700+	1.75%	5.25%	5.00%	-	3.50%
B	660-699	2.75%	6.25%	5.00%	-
C	620-659	3.75%	7.25%	5.00%	-
D	560-619	5.75%	9.25%	5.00%	-
E	-559	7.75%	11.25%	5.00%	-

Note: HELOC 100% LTV Maximum Loan Amount $50,000.00