Smart Rates.
Real Benefits.

¹APR=Annual Percentage Rate. The lowest rate is displayed. Credit worthiness determines APR and maximum loan-to-value allowed. Representative Example: A $15,000 loan at 5.29% APR would require 72 payments of $243.60.

²A new auto is the current and previous year models (2024 and newer) with less than 7,500 miles.

There are term restrictions on used autos based both on the year, model and mileage.

The Maximum Amount Financed -

• New autos- Up to 130% of Manufacturers Suggested Retail Price (minus rebates) including tax, license and dealer add-ons.


• Used autos
  
  • 2016 and newer - Up to 130% of Kelley Blue Book retail value including tax, license and dealer add-ons.
  
  
  • 2015 and older vehicles - Up to 100% using the lesser of the purchase price (before used tax) or Retail Kelley Blue Book value with no cash out.


• Auto Refinance with cash out - Loan amounts up to 100% of Kelley Blue Book retail value.

¹Boat and RV loan amount term guidelines:

• 60 months: $5,000 and up


• 72 months: $15,000 and up


• 84 months: $25,000 and up


• 120 months: $35,000 and up


• 144 months: $45,000 and up

²Motorcycle loan amount term guidelines:

• 48 months: $5,000 and up


• 60 months: $10,000 and up


• 72 months: $15,000 and up to maximum of $35,000

³Maximum Amount Financed Loan to Value (LTV) is based on the following:

• Boat, RV and Motorcycle Financing - New financing up to 100% LTV. LTV is the lesser of the purchase price (before used tax) or Manufacturers Suggested Retail Price. Used financing up to 100% LTV. LTV is the lesser of the purchase price (before used tax) or JD Power Average Value.

⁴APR=Annual Percentage Rate.

¹APR=Annual Percentage Rate. Representative Example: A $10,000 60-month loan at 8.99% APR would require 60 payments of $207.54.

¹APR=Annual Percentage Rate

²Variable Rate Personal Line of Credit: The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of the day of any APR adjustment.

To determine the APR that will apply to your account, we add a margin to the value of the Index. Ask us for the current index value, margin and annual percentage rate. After you open a plan, rate information will be provided on periodic statements that we send you.

Rate Changes: The APR can change on the first day of each month. There is no limit on the amount by which the APR can change during any one-year period. The maximum APR that can apply is the maximum permitted by law. Any increase in the APR will result in an increased repayment period.

Rate: Consumer loan rates are disclosed as ranges. Your final rate and loan-to-value are based on your credit worthiness.

Rates, APRs, terms and conditions are subject to change without notice.

¹APR = ANNUAL PERCENTAGE RATE Representative Example: A $5,000 60-month loan at 3.15% APR would require 60 payments of $90.18.