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Rates & Fees

Effective as of: 03/01/2021
Consumer Lending Rates
Credit Tier according to Credit Score
Loan GradeA PlusABCD
Credit Score720 680-719640-679600-639599-
 
New Auto Loans 2020 and Newer - Fixed APR*
(Vehicle with more than 15k miles will be assessed at used vehicle rates)
Loan Grade60 Months72 Months84 Months
A Plus1.99%2.49%2.99%
A2.49%2.99%3.49%
B3.99%4.49%4.99%
C10.99%11.49%11.99%
D16.99%17.49%N/A
**For Motorcycles add 0.50% to all auto loan rates.
 
Used/Classic Auto Loans 2010-2019 - Fixed APR*
(Classic Cars must be 30 years old and in good condition)
Loan Grade60 Months72 Months84 Months
A Plus2.99%3.49%3.99%
A3.49%3.99%4.49%
B4.99%5.49%5.99%
C11.99%12.49%12.99%
D17.49%17.99%N/A
**For Motorcycles add 0.50% to all auto loan rates.
 
Used Auto Loans 2009 and Older - Fixed APR*
Loan Grade60 Months72 Months84 Months
A Plus4.99%5.49%5.99%
A5.49%5.99%6.49%
B5.99%6.49%6.99%
C12.99%13.49%13.99%
D17.49%17.99%N/A
**For Motorcycles add 0.50% to all auto loan rates.
 
New Other Recreational Collateral 2020 and Newer - Fixed APR*
Loan Grade60 Months72 Months84 Months120 Months180 Months
A Plus3.99%4.49%4.99%5.49%5.99%
A4.99%5.49%5.99%6.49%6.99%
B5.99%6.49%6.99%7.49%7.99%
C12.99%13.49%13.99%14.49%N/A
D15.99%16.49%16.99%N/AN/A
(All terms of 120 Months are subject to loan balances of $50k and above)
 
Used Other Recreational Collateral 2019 and Older - Fixed APR*
Loan Grade60 Months72 Months84 Months120 Months180 Months
A Plus4.99%5.49%5.99%6.49%6.99%
A5.99%6.49%6.99%7.49%7.99%
B6.99%7.49%7.99%8.49%8.99%
C13.99%14.49%14.99%15.49%N/A
D17.49%17.99%N/AN/AN/A
(All terms of 120 months are subject to loan balances of $50k and above)
 
Unsecured Line of Credit 60 Month Term - Fixed APR*
Loan GradeA PlusABCD
Rate6.99%8.99%10.99%15.99%17.99%
 
Home Equity Line of Credit
Loan GradeA PlusABCD
Rate4.99%4.99%6.99%12.49%13.49%
(180 Month term with a fixed rate. Lines have a 60 Month draw period. Minimum initial advance is $10k; subsequent advances afterwards are $1,000 minimum)
 
Visa Classic Credit Card 36 Month Term - Fixed APR*
Loan GradeA PlusABCD
Rate6.99%6.99%8.99%14.99%17.99%
 
Signature Loans - Fixed APR*
Loan Grade36 Months48 Months60 Months
A Plus5.99%6.49%6.99%
A6.99%7.99%8.99%
B8.99%9.99%10.99%
C14.99%15.49%15.99%
D16.99%17.49%17.99%
 
Loan TypeOrigination FeeRate
Tax Refund Loan$125.007.99%
Vacation Check Loan$125.007.99%
Share Secured LoanN/A3% plus dividend rate
 
Gold Checking Members get 0.50% discount on all loans, excluding Home Equity Line of Credit accounts, VISA Credit Cards, Tax Refund Loans, Vacation Check Loans, Share Secured Loans.
*APR= Annual Percentage Rate. APRs range from 1.49%-17.99%. The APR you qualify for is based on repayment period, collateral year and mileage, your personal credit qualifications, and employment history. Payment example: If you borrow $20,000.00 for 60 months at 3.99% APR, your monthly payment would be $368.01.

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