Consumer Loans Rates

Print

Rates effective April 23rd, 2014.

Loan Amount Term Maximum Amount Financed²
80% APR³
Maximum Amount Financed²
100% APR³
New Auto Purchase or Refinance From Other Lenders
2013 or Newer¹ Up to $100,000 Up to 84 months 2.49% - 9.39% 2.49% - 9.39%

¹ 2013 and newer with less than 7,500 miles.
² 60 months financing is available on loan amount of $5,000 and above. 72 months for $15,000 and above. 84 months for $20,000 and above.

Loan Amount Term Maximum Amount Financed²
80% APR³
Maximum Amount Financed²
100% APR³
Used Auto Purchase or Refinance From Other Lenders
2013 to 2015 Up to $100,000 Up to 84 months 2.49% - 9.39% 2.49% - 9.39%
2012 to 2008 Up to $100,000 Up to 72 months 2.49% - 9.39% 2.49% - 9.39%
2007 to 2005 Up to $100,000 Up to 60 months 2.49% - 9.39% 2.49% - 9.39%
2004 and older Up to $25,000 Up to 48 months 9.00% - 13.75% 9.00% - 13.75%

¹ 2005 or Newer: 60 months financing is available on loan amount of $5,000 and above. 72 months for $15,000 and above. 84 months for $20,000 and above.

Loan Amount Term Maximum Amount Financed²
80% APR³
Maximum Amount Financed²
100% APR³
RV and Boat Loan
New¹ Up to $100,000+ Up to 144 months 7.25% - 12.75% 7.25% - 12.75%
Used² $15,000+ Up to 144 months 7.75% - 13.25% 7.75% - 13.25%

¹ 72 months financing available on loan amounts of $15,000 and above. 144 months financing available for loan amounts of $25,000 and above.

Loan Amount Term Maximum Amount Financed²
80% APR³
Maximum Amount Financed²
100% APR³
Select Collateral Loan
Motorcycles, Personal Watercraft, Snowmobiles Up to $25,000 Up to 48 months 9.00% - 13.75% 9.00% - 13.75%
Personal Loans
  Up to $50,000 Up to 48 months N/A 11.85% - 16.85%
Personal Line of Credit
Variable Rate 4 Up to $50,000 N/A N/A 7.90% - 15.90%
Share Secured Loan
Secured by Share Account N/A Up to 60 months N/A 3% over current highest share rate

APR may vary

² Maximum Amount Financed Loan to Value (LTV) is based on the following

  • New Vehicles - Up to 130% LTV. LTV is the lesser of the purchase price or Manufacturers Suggested Retail Price including tax, license and dealer add-ons.
  • Used Vehicles - Up to 130% LTV. LTV is the lesser of the puchase price or Kelley Blue Book retail value including tax, license and dealer add-ons.
  • Auto Refinance - Loan amounts up to 100% LTV of Kelley Blue Book retail value.
  • RV and Boat Financing - New financing up to 100% LTV. LTV is the lesser of the purchase price or Manufacturers Suggested Retail Price. Used financing up to 100% LTV. LTV is the lesser of the purchase price or NADA Retail Value Guide.
  • Select Collateral Loan - Up to 100% of the lesser of the purchase price or Manufactures suggested Retail Price.

³ APR = ANNUAL PERCENTAGE RATE

4 Variable Rate Personal Line of Credit: The annual percentage rate 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 annual percentage rate adjustment.

To determine the annual percentage rate 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 annual percentage rate can change on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one-year period. The maximum ANNUAL PERCENTAGE RATE that can apply is the maximum permitted by law. Any increase in the ANNUAL PERCENTAGE RATE will result in a 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.