Loan Rates

ROUTING NUMBER: 316386777

Rates Effective as of 04-01-2019

Auto Loans by Vehicle Year

2018-2019
Terms / Credit Score700+640 – 699600 – 639560 – 599559 & lessNo Score
36 months 1.99% 3.24% 5.49% 9.49% 11.99% 9.99%
48 months 3.24% 4.24% 6.49% 10.49% 13.99% 10.99%
60 months 3.49% 4.99% 7.24% 10.99% 15.99% 11.99%
72 months  4.24% 5.49% 7.49% 11.99% 16.99% 13.99%
 2017
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
36 months 3.24% 3.99% 6.24% 9.99% 12.49% 9.99%
48 months 4.24% 4.49% 6.74% 10.99% 14.49% 10.99%
60 months 4.99% 5.24% 7.49% 11.49% 15.99% 12.99%
72 months  5.49% 5.74% 7.99% 12.99% 17.99% 14.99%
2013 – 2016
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
36 months 3.99% 4.99% 6.49% 10.99% 12.99% 10.99%
48 months 4.49% 5.49% 7.49% 11.99% 14.99% 12.49%
60 months 4.99% 5.99% 7.99% 12.99% 16.99% 14.99%
66 months  5.74% 6.49% 8.99% XXXX XXXX XXXX
2009 – 2012
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
24 months 4.99% 5.49% 7.99% 10.99% 13.99% 10.49%
36 months 5.49% 5.99% 8.49% 11.99% 14.99% 10.99%
48 months 5.99% 6.49% 8.99% 13.99% XXXX 11.99%
60 months (over $20,000) 6.49% 7.49% 9.99% XXXX XXXX XXXX


Recreational Vehicle Loans

Jet Skis, Boats, RVs & Trailers

2018 – 2019
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
36 months 4.49% 5.99% 6.99% 9.99% 12.99% 10.99%
48 months 4.99% 6.24% 7.99% 10.99% 14.99% 11.99%
60 months 5.24% 6.49% 8.99% 11.99% 16.99% 12.99%
73-120 months (over $25,000) 5.99% 6.99% 9.99% XXXX XXXX XXXX
2013-2017
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
36 months 5.99% 6.49% 7.99% 11.99% 13.99% 10.99%
48 months 6.24% 6.74% 8.99% 12.99% 15.99% XXXX
60 months 6.49% 6.99% 9.99% 13.99% XXXX XXXX
72 months (over $25,000) 6.99% 7.99% 11.99% XXXX XXXX XXXX
2009-2012
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
24 months 6.49% 6.99% 8.99% 11.99% 14.99% XXXX
36 months 6.74% 7.49% 9.99% 12.99% XXXX XXXX
48 months 6.99% 7.99% 10.99% 14.99% XXXX XXXX
60 months (over $25,000) 7.99% 8.99% XXXX XXXX XXXX XXXX
Motorcycle 2018-2019
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
36 months 4.49% 5.99% 7.99% 11.99% 15.99% XXXX
48 months 4.99% 6.49% 8.99% 12.99% 16.99% XXXX
60 months 5.49% 6.99% 10.99% 13.99% XXXX XXXX
Motorcycle 2013-2017
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
36 months 5.49% 5.99% 8.99% 12.99% 16.99% XXXX
48 months 5.99% 6.99% 9.49% 13.99% 17.49% XXXX
60 months 6.49% 7.49% 11.49% 14.99% 17.99% XXXX
Motorcycle 2009-2012
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
36 months 5.99% 6.99% 9.99% 13.99% 17.49% XXXX
48 months 6.49% 7.49% 10.49% 14.99% 17.99% XXXX
60 months 7.24% 8.49% 12.49% 15.99% XXXX XXXX

Personal Loans

Unsecured Loans & Lifestyle Lending
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
Up to 12 months 6.99% 10.99% 12.99% 15.99% 16.99% 14.99%
13-24 months 8.99% 11.99% 13.99% 16.99% 17.99% 15.99%
25-36 months 10.99% 12.99% 14.99% 17.99% XXXX XXXX
37-48 months 11.99% 13.99% 16.99% XXXX XXXX XXXX
Educational Loans
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
12 months 7.99% 9.99% 11.99% 14.99% 15.99% 12.99%
13-60 months 8.99% 11.99% 12.99% XXXX XXXX 14.99%
61-84 months 10.99% 12.99% 15.99% XXXX XXXX XXXX
Home Equity Loans - NMLS # 704707
Terms / credit score700+640 – 699600 – 639560 – 599559 & lessNo Score
5 years
10 years Rates are determined based on credit score, the date of application, and the fluctuation of the federal reserve rates. 
15 years



*APR = Annual Percentage Rate. Rates are determined by Board of Directors and are subject to change.

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