Effective: February 1, 2025
Fixed Rates
Approx. Term
Annual % Rate
New/Used Autos
24-60 months
6.00% – 15.00%
61-72 months
6.50% – 15.50%
73-84 months
6.50% – 15.50%
Used Autos 10 years & Older
24-60 months
7.00% – 16.00%
10 years or older
61-72 months
7.50% – 16.50%
73-84 months
7.50% – 16.50%
New/Used Recreational Vehicles
12-60 months
New/Used Risk-Based Pricing Guidelines
Line of Credit
8.00% – 18.00%
Platinum Mastercard
7.90% -17.90%
Home Equity, $5,000.00 min.
60 months
6.00% – 8.00%
120 months
6.25% – 8.25%
180 months
6.50% – 8.50%
New/Used Motorcycles
60 months
New/Used Risk-Based Pricing Guidelines
72 months
New/Used Risk-Based Pricing Guidelines
84 months
New/Used Risk-Based Pricing Guidelines
Signature
36 months
8.75% – 18.00%
Share Secured Loans
12 months
3.00%
24 months
3.25%
36 months
3.50%
48 months
3.75%
60 months
4.00%
Certificate Secure Loan
2% above Certificate rate rounded up to an even ¼ percent
Effective: July 1, 2026
Variable Rates
Approx. Term
Annual % Rate
New Autos
24-72 months
8.75%
New Autos
(amount greater than $50,000.00)
84 months
8.75%
Used Autos 2025 & 2024
48-72 months
9.75%
Used Autos 2025 & 2024
48 months
(15% down)
8.75%
Used Autos 2025 & 2024
60-72 months
 (15% down)
9.00%
Used Autos 2023 & 2022
Up to 72 months
9.75%
Up to 72 months
    (15% down)
9.25%
Used Autos 2021 & Older
Up to 72 months
    
10.75%
Up to 72 months
    (15% down)
10.25%
New Recreational Vehicles




BOATS Excluded
Up to 48 months     (10% down)
8.75%
Up to 60 months     (10% down)
8.75%
Up to 120 months     (15% down)
9.25%
Used Recreational Vehicles




BOATS Excluded
Up to 48 months
    (15% down)
8.75
Up to 60 months
    (15% down)
9.00
Up to 120 months     (15% down)
10.75%
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 creditworthiness 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.