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 5/1/2018

 

 

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 2017& Newer
as low as 1.99% up to 60 months
as low as 2.15% 61 to 84 months
Used Cars 2018 - 2016
as low as 2.50% up to 48 months
as low as 2.75% 49 to 60 months
as low as 3.00% 61 to 72 months
as low as 3.25% 73 to 84 months
Used Cars 2013 - 2015 as low as 3.30% up to 48 months
as low as 3.55% 49 to 60 months
as low as 3.80% 61 to 72 months
Used Cars 2012 or Older as low as 4.80% up to 36 months
as low as 5.05% 37 to 48 months
(C, D, & E credit scores max 48 mo.) as low as 5.30% 49 to 60 months

 

HOME EQUITY

The appraised value is credit score based (max 90% appraised value)

 

Term - 1st Lien
APR
up to 60 months
4.25%
61 to 120 months
4.50%
121 to 180 months
5.00%

 

Term - 2nd Lien
APR
up to 60 months
4.50%
61 to 120 months
4.75%
121 to 180 months
5.25%

 

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

 

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 3.05% up to 48 months
as low as 3.80% 49 to 72 months
as low as 4.55% 73 to 120 months
Used Recreational Vehicles as low as 3.80% up to 48 months
as low as 4.55% 49 to 72 months
as low as 5.30% 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
7.80%
up to 60 months
Line of Credit
as low as
8.30%
Open Ended

 

STUDENT LOANS

 

Type
APR
Credit Score
Undergrad Line of Credit 1.25% + Prime 730 - 850
1.50% + Prime 680 - 729
1.75% + Prime 666 - 679
Type
Credit Score
Term
5 Years
10 Years
15 Years

Consoldation Fixed

(Coming Soon!

730 - 850
4.75%
5.25%
5.75%
680 - 729
5.00%
5.50%
6.00%
666 - 679
5.25%
5.75%
6.25%

 

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
7.05%
up to 36 months
(a UCC 1 form must be filed)
as low as
7.30%
37 to 60 months
(C, D, & E Scores max 60 months)
as low as
7.55%
61 to 84 months
Mobile Home
8.50%
0 to 72 months
 
9.50%
73 to 96 months
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
Overdraft Protection
18.00%
Open Ended
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
0.25%
0.2503% APY
$25,000.01 - $75,000
0.30%
0.3004% APY
$75,000.01 and over
0.35%
0.3506% 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.