Loan Rates

Rates effective  . Rates subject to change without notice.

Scoring System
Score Rating Rate
A+ 730 - Up Base Rate
A 729 - 680 Base Rate +.5
B 679 - 640 Base Rate +1
C 639 - 600 Base Rate +3
D 599 - 550 Base Rate +6
E 549 - Below Base Rate +9

Quick Rates: New Auto | Used Auto | Boats & RVs | Unsecured


New & Used ATV's, Snowmobiles, Tractors, Stereo, Computers, Yard Equipment, ETC., go under the category of Used Auto based on year of the item.


Maximum rate for secured loan is 18.00%
Maximum rate for unsecured loan is 21.00%
All loans <$2,001.00 FOR ONE YEAR or less will be at 21.00%


Loan Type Term in Months A+ A B C D E
Base Rate
APR*
Base Rate +.5
APR*
Base Rate +1
APR*
Base Rate +3
APR*
Base Rate +6
APR*
Base Rate +9
APR*
New Auto & Motorcycles
2020-2019
To 24            
36            
48            
60            
72**            
84***            
*APR is the Annual Percentage Rate.
** Over $20,000 Financed.
*** Over $30,000 Financed.


Loan Type Term in Months A+ A B C D E
Base Rate
APR*
Base Rate +.5
APR*
Base Rate +1
APR*
Base Rate +3
APR*
Base Rate +6
APR*
Base Rate +9
APR*
Used Auto
2020-2014
To 24            
36            
48            
60            
72**            
84***            
 
Used Auto
2013-2010
To 24            
36            
48            
60            
 
Used Auto
Before 2010
To 24            
36            
*APR is the Annual Percentage Rate.
** Over $20,000 Financed.
*** Over $30,000 Financed on 2014 or Newer.


Loan Type Term in Months A+ A B C D E
Base Rate
APR*
Base Rate +.5
APR*
Base Rate +1
APR*
Base Rate +3
APR*
Base Rate +6
APR*
Base Rate +9
APR*
New Boats & RVs 36            
48            
60            
72            
84            
85-120**            
121-180***            
 
Used Boats & RVs 24            
36            
48            
60            
72            
84            
85-120***            
*APR is the Annual Percentage Rate.
** Over $15,000 Financed.
*** Over $50,000 Financed.


Loan Type Term in Months A+ A B C D E
Base Rate
APR*
Base Rate +.5
APR*
Base Rate +1
APR*
Base Rate +3
APR*
Base Rate +6
APR*
Base Rate +9
APR*
Unsecured To 12            
24            
36            
48            
*APR is the Annual Percentage Rate.

Reduce Your Rate
Save even more when you establish a checking account and direct deposit with us!

  • Reduce your rate by ½% with direct deposit and automatic loan payments.
  • Reduce your rate by ¼% when your loan payment is deducted automatically.
  • The rate reduction does not apply to any open-end loans, (e.g. Kwik-Cash, HELOC’s, ect.)

Equal Housing Opportunity