Loan Rates

Rates effective Feburary 1, 2017. 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
2017-2016
To 24 2.79% 3.29% 3.79% 5.79% 8.79% 11.79%
36 2.89% 3.39% 3.89% 5.89% 8.89% 11.89%
48 2.99% 3.49% 3.99% 5.99% 8.99% 11.99%
60 3.09% 3.59% 4.09% 6.09% 9.09% 12.09%
72** 3.99% 4.49% 4.99% 6.99% 9.99% 12.99%
84*** 4.49% 4.99% 5.49% 7.49% 10.49% 13.49%
*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
2017-2011
To 24 3.79% 4.29% 4.79% 6.79% 9.79% 12.79%
36 3.79% 4.29% 4.79% 6.79% 9.79% 12.79%
48 3.89% 4.39% 4.89% 6.89% 9.89% 12.89%
60 3.99% 4.49% 4.99% 6.99% 9.99% 12.99%
72** 4.24% 4.74% 5.24% 7.24% 10.24% 13.24%
 
Used Auto
2010-2007
To 24 4.29% 4.79% 5.29% 7.29% 10.29% 13.29%
36 4.79% 5.29% 5.79% 7.79% 10.79% 13.79%
48 4.89% 5.39% 5.89% 7.89% 10.89% 13.89%
 
Used Auto
Before 2007
To 24 5.99% 6.49% 6.99% 8.99% 11.99% 14.99%
36 6.99% 7.49% 7.99% 9.99% 12.99% 15.99%
*APR is the Annual Percentage Rate.
** Over $20,000 Financed and under 100,000 miles.


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 4.49% 4.99% 5.49% 7.49% 10.49% 13.49%
48 4.49% 4.99% 5.49% 7.49% 10.49% 13.49%
60 4.49% 4.99% 5.49% 7.49% 10.49% 13.49%
72 4.79% 5.29% 5.79% 7.79% 10.79% 13.79%
84 4.79% 5.29% 5.79% 7.79% 10.79% 13.79%
85-120** 6.99% 7.49% 7.99% 9.99% 12.99% 15.99%
121-180*** 7.49% 7.99% 8.49% 10.49% 13.49% 16.49%
 
Used Boats & RVs 24 5.24% 5.74% 6.24% 8.24% 11.24% 14.24%
36 5.49% 5.99% 6.49% 8.49% 11.49% 14.49%
48 5.74% 6.24% 6.74% 8.74% 11.74% 14.74%
60 6.24% 6.74% 7.24% 9.24% 12.24% 15.24%
72 6.49% 6.99% 7.49% 9.49% 12.49% 15.49%
84 6.74% 7.24% 7.74% 9.74% 12.74% 15.74%
85-120*** 7.74% 8.24% 8.74% 10.74% 13.74% 16.74%
*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 9.99% 10.49% 10.99% 12.99% 15.99% 18.99%
24 10.99% 11.49% 11.99% 13.99% 16.99% 19.99%
36 11.99% 12.49% 12.99% 14.99% 17.99% 20.99%
48 12.99% 13.49% 13.99% 15.99% 18.99% 21.00%
*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