Fixed Rates
Effective January 1, 2011
Your Credit Score will determine your rate. The APR listed below is the rate from A+ to E ratings.
|
Sub-Account Description
|
Approx. Term
|
Daily Periodic Rate**
|
Annual % Rate
|
|
New Autos
|
24
36 mos.
48 mos.
60 mos.
66 mos. (15% Down)
72 mos. (15% Down)
|
.009589%
.009589%
.009589%
.009589%
.012328%
.013698%
|
3.50% - 15.00%
3.50% - 15.00%
3.50% - 15.00%
3.50% - 15.00%
4.50% - 7.00%
5.00% - 7.50%
|
|
Used 2010 & older
|
48 mos.
60 mos.
42 - 12 mos.
42 - 12 mos.
|
.014383%
.015068%
.015753%
.018493%
|
5.25% - 18.00%
5.50% - 18.00%
5.75% - 18.00%
6.75% - 18.00%
|
|
Recreational Vehicles
|
48 mos.
60 mos.
|
New/Used Risk-Based
Pricing Guidelines. |
|
|
Platinum MasterCard
|
Free Grace Period
- No Annual Fee - |
7.9% - 17.9%
|
|
|
Home Equity
$5,000 min.
|
60 mos.
120 mos.
180 mos.
|
.011643%
.013698%
.017809%
|
4.25% - 12.50%
5.00% - 13.25%
6.50% - 14.75%
|
|
New/Used Motorcycles
|
72 mos. 60 mos.
|
Request rates from
your loan officer. |
|
|
Household Goods
|
36 mos.
24 mos.
|
.032877%
.035617%
|
12.00%
13.00%
|
|
Computers/Peripherals
|
36 mos.
|
.030137%
|
11.00%
|
|
Signature
|
36 mos.
|
.023973%
|
8.75% - 18.00%
|
|
Share Loans
|
12 mos.
24 mos.
36 mos.
48 mos.
60 mos.
|
.010959%
.011644%
.012329%
.013014%
.013699%
|
4.00%
4.25%
4.50%
4.75%
5.00%
|
** Daily Periodic Rate percentage pertains to the lowest APR figures in a range.
Annual Percentage Rate: The annual percentage rate you receive for certain sub-accounts listed will be within the range disclosed and will be based on certain credit worthiness criteria. Automatic transfer of payment and down payment discounts are available on certain sub-accounts. Ask us the rate for which you qualify.
Late Charge: If you are 10 days or more past due on your loan, you will pay a late charge of 20% of the interest due, minimum $5.00, maximum $25.00.
Collection Cost: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.