Rates

APY is the Annual Percentage Yield & APR is the Annual Percentage Rate. All rates are subject to change without notice. The rates advertised may not be available. Other terms and conditions may also apply.

 

All rates are current as of 10/1/2017

 

 

AUTO/MOTORCYCLE LOAN RATES

 

Advertised rates labeled "as low as" are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.75% or 0.45%)

 

Model Year
APR
Term
New Cars 2016 & Newer
as low as 1.99% up to 84 months
Model Year
APR
Term
Used Cars 2017 - 2015
as low as 2.25% up to 48 months
as low as 2.50% 49 to 60 months
as low as 2.75% 61 to 72 months
as low as 3.00% 73 to 84 months
Model Year
APR
Term
Used Cars 2012 - 2014 as low as 3.05% up to 48 months
as low as 3.30% 49 to 60 months
as low as 3.55% 61 to 72 months
Model Year
APR
Term
Used Cars 2011 or Older as low as 4.55% up to 36 months
as low as 4.80% 37 to 48 months
(C, D, & E credit scores max 48 mo.) as low as 5.05% 49 to 60 months

 

HOME EQUITY

Term - 1st Lien
APR
up to 60 months
3.00%
61 to 120 months
3.50%
121 to 180 months
4.00%
The appraised value is credit score based (max 90% appraised value)

 

Term - 2nd Lien
APR
up to 60 months
3.25%
61 to 120 months
3.75%
121 to 180 months
4.25%
The appraised value is credit score based (max 90% appraised value)

 

Home Equity Line of Credit
APR
Term
HELOC - 1st Lien
as low as 1.00 % + Wall St. Journal Prime Rate
up to 180 mos.
HELOC - 2nd Lien as low as 1.25 % + Wall St. Journal Prime Rate
The appraised value is credit score based (max 90% appraised value)

 

 

RECREATIONAL VEHICLES

 

Advertised rates labeled "as low as" are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.45%).

 

Type
APR
Term
New Recreational Vehicles as low as 1.80% up to 48 months
as low as 3.05% 49 to 72 months
as low as 3.55% 73 to 120 months

 

Type
APR
Term
Used Recreational Vehicles as low as 2.55% up to 48 months
as low as 3.80% 49 to 72 months
as low as 3.55% 73 to 84 months

PERSONAL/UNSECURED LOANS

 

Advertised rates labeled "as low as" are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.45%).

 

Type
APR
Term
Unsecured
as low as
7.55%
up to 60 months

 

Type
APR
Term
Line of Credit
as low as
8.05%
Open Ended

OTHER LOANS

 

Advertised rates labeled "as low as" are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.45%).

 

Type
APR
Term
Other Secured
as low as
6.80%
up to 36 months
(a UCC 1 form must be filed)
as low as
7.05%
37 to 60 months
(C, D, & E Scores max 60 months)
as low as
7.30%
61 to 84 months

 

Type
APR
Term
Mobile Home
8.50%
0 to 72 months
9.50%
73 to 96 months

 

Type
APR
Term
Share Secured
1.5% + Share, Share Cert, or MM Rate
up to 96 months
2.5% + Share, Share Cert, or MM Rate
97 to 120 months

 

Type
APR
Term
Overdraft Protection
18.00%
Open Ended

 

Type
APR
Term
Credit Builder
3% + Savings Rate
9 to 18 months

 

SHARE RATES

 

Must open with $5, $100 balance required to earn interest.

 

Type
Rate
APY
Share (Savings)
0.10%
0.1000% APY
Summer Days
0.10%
0.1000% APY
Christmas Club
0.10%
0.1000% APY

 

SHARE CERTIFICATE RATES

 

Minimum balance requirement $1,000 to open and earn interest. Early withdrawal penalty is 90 days (3 months) interest.

 

Type
Rate
APY
12 Month
0.75%
0.7526% APY
24 Month
1.00%
1.0048% APY

MONEY MARKET RATES

 

Minimum balance of $2,500 is required to open a money market. If balance is below $2,500, a dividend will not be earned. Limit 4 withdrawals per month. If withdrawal limit is exceeded, a $10 fee will be assessed per transaction.

 

Tier
Rate
APY
$2,500 - $25,000
0.20%
0.2002% APY
$25,000.01 - $75,000
0.25%
0.2503% APY
$75,000.01 and over
0.30%
0.3004% APY

 

* = Advertised rates labeled "as low as" are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.75% or 0.45%). APY is the Annual Percentage Yield & APR is the Annual Percentage Rate. All rates are subject to change without notice. The rates advertised may not be available. Other terms and conditions may also apply. Choose Us First and Flip Your Loan Discounts valid only on used 2016 and 2015 vehicles only.