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