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Your Credit Score will determine your rate.  The APR listed below is the rate from A+ to E ratings.

Effective October 1, 2017

 Fixed Rates Approx. Term Daily Periodic Rate* Annual % Rate
New/ Used Autos 24 – 60 months

61 – 72 months

0.007534%

0.008904%

2.75% – 12.00%

3.25% –  12.50%

Used Autos 6 years & Older 24 – 60 months

61 – 72 months

0.010274%

0.011644%

3.75% – 13.00 %

4.25% – 13.50%

Recreational Vehicles 48 months

60 months

New/Used Risk-Based
Pricing Guidelines.
Line of Credit 0.021918% 8.00% – 18.00%
Platinum Mastercard 0.021644% 7.9% – 17.9%
Home Equity$5,000 min. 60 months

120 months

180 months

0.010959%

0.011644%

0.012329%

4.00% – 6.00%

4.25% – 6.25%

4.50% – 6.50%

New/Used Motorcycles 60 months

72 months

Request rates from
your loan officer.
Signature 36 months 0.023973% 8.75% – 18.00%
Share Loans 12 months

24 months

36 months

48 months

60 months

0.008219%

0.008904%

0.009589%

0.010274%

0.010959%

3.00%

3.25%

3.50%

3.75%

4.00%

Certificate Secure Loan 2% above Certificate rate rounded up to an even ¼ percent

* 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 5% of your monthly payment, minimum $5.00.

Collection Cost: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

 

Variable Rates Approx. Terms % Above Index Daily Periodic Rate* Annual Percentage Rate
New Autos 24 – 60 months

66-72 months (15% down)

5.00%

5.00%

1.438356%

1.438356%

5.75%

5.75%

Used 2016, 2015 48 months

48 months (15% down)

60 months (15% down)

5.50 %

5.00%

5.25%

1.575342%

1.438356%

1.506849%

6.25 %

5.75%

6.00%

Used 2014, 2013 12-42 months

12-42 months (15% down)

6.00%

5.50%

1.712328%

1.575342%

6.75%

6.25%

Used 2012- older 12-42 months

12-42 months (15% down)

7.00%

6.50%

1.986301%

1.849315%

7.75%

7.25%

New Recreational Vehicles 48-120 months Refer to risk-based pricing guidelines- same as new autos
Used Recreational Vehicles 48-72 months Refer to risk-based pricing guidelines- same as used autos

Secured Loans: The Annual Percentage Rate (APR) for new variable rate advantages and existing balances will change on the first day of each quarter to reflect and change in the index and will be determined by taking the for week average of six-month Treasury Bills and rounding up to the nearest 1/4 of 1.00%, plus the applicable percentage rate shown above.  The APR will never be more than the maximum rate allowed by law, and never less than 5.00%.  Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.

Certificate Secured: The Annual Percentage Rate (APR) will be 2.00% above the Certificate rate, rounded up to the nearest 1/4 of 1.00%.  When the Certificate is renewed, the APR on the loan must be changed to reflect the new Certificate rate.  If the Certificate is not renewed, the loan must be paid in full, or funds placed in shares and used as security on a share secured loan.

Minimum Payment: Your payment will never be less than $20.00 per month

Late Charges: If you are 10 days or more past due on your loan, you will pay a late charge of 5% of your monthly payment, minimum of $5.00.

Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

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