Rates

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Risk Based Loans

Rates are based on your Experian Credit Score at time of application.
Credit Rating	A+	A	B	C	D	E
Credit Score	760+	759-680	679-650	649-600	599-535	534-450
New and Used Boat, Motorcycle,ATV, and RV add 3%

 

New Autos

Credit Rating	A+	A	B	C	D	E
0-36 Months	2.25%	2.50%	3.00%	3.75%	4.75%	7.75%
37-48 Months	2.50%	2.75%	3.25%	4.25%	5.75%	8.75%
49-60 Months	2.75%	3.25%	3.75%	4.75%	7.75%	10.75%
72 Months Over $20000	3.25%	3.75%	4.25%	5.25%	8.75%	NA
84 Months Over $30000	3.75%	4.25%	4.75%	5.75%	NA	NA

 

Used Autos: 2013 And Newer

Credit Rating	A+	A	B	C	D	E
0-36 Months	3.25%	3.50%	4.00%	5.00%	7.00%	11.00%
37-48 Months	3.50%	3.75%	4.25%	5.25%	7.25%	11.25%
49-60 Months	4.00%	4.25%	4.75%	5.75%	7.75%	N/A
72 Months Over $20000	4.50%	4.75%	5.25%	6.25%	N/A	N/A
84 Months Over $30000	4.75%	5.25%	5.75%	6.75%	N/A	N/A

 

Used Autos: 2012 And Older

Credit Rating	A+	A	B	C	D	E
0-36 Months	4.00%	4.50%	4.75%	5.75%	7.75%	11.25%
37-48 Months	4.50%	5.00%	5.25%	6.25%	8.25%	11.75%

 

Signature

Credit Rating	A+	A	B	C	D	E
0-48 Months	9.00%	10.00%	11.00%	13.00%	15.00%	18.00%
Debt Consolidation	6.75%	7.50%	8.25%	9.75%	11.25%	13.50%

 

Non-Risk Based Loans

		APR			Term
Shared Secured		2.50%			0-48 Months

 

Savings

Share Balance				Dividend Rate		APY
$0.00-99.99				0.000%		0.000%
$100.00-9999.99				0.250%		0.250%
$10000.00-19999.00				0.500%		0.500%
$20000.00-39999.99				0.750%		0.750%
$40000.00+				1.000%		1.000%

 

Certificates

Term		Early Withdrawl Penalty		Dividend Rate		APY
6 Month		90 Day		1.750%		1.750%
12 Month		180 Day		2.000%		2.000%
18 Month		180 Day		2.250%		2.250%
24 Month		180 Day		2.500%		2.500%
30 Month		180 Day		2.750%		2.750%
36 Month		180 Day		3.000%		3.000%
			*New Money from an outside source*
36 Month		180 Day		4.000%		4.000%