Effective: October 1, 2024
Fixed Rates
Approx. Term
Daily Periodic Rate*
Annual % Rate
New/Used Autos
24-60 months
0.016438%
6.00% – 15.00%
61-72 months
0.017808%
6.50% – 15.50%
73-84 months
0.017808%
6.50% – 15.50%
Used Autos 10 years & Older
24-60 months
0.019178%
7.00% – 16.00%
10 years or older
61-72 months
0.02054%
7.50% – 16.50%
73-84 months
0.02054%
7.50% – 16.50%
New/Used Recreational Vehicles
12-60 months
New/Used Risk-Based Pricing Guidelines
Line of Credit
0.021918%
8.00% – 18.00%
Platinum Mastercard
0.021644%
7.90% -17.90%
Home Equity, $5,000.00 min.
60 months
0.012328%
4.50% – 6.50%
120 months
0.013013%
4.75% – 6.75%
180 months
0.013698%
5.00% – 7.00%
New/Used Motorcycles
60 months
New/Used Risk-Based Pricing Guidelines
72 months
New/Used Risk-Based Pricing Guidelines
84 months
New/Used Risk-Based Pricing Guidelines
Signature
36 months
0.023973%
8.75% – 18.00%
Share Secured Loans
12 months
0.008219%
3.00%
24 months
0.008904%
3.25%
36 months
0.009589%
3.50%
48 months
0.010274%
3.75%
60 months
0.010959%
4.00%
Certificate Secure Loan
2% above Certificate rate rounded up to an even ¼ percent
Effective: October 1, 2024
Variable Rates
Approx. Term
Daily Periodic Rate*
Annual % Rate
New Autos
24-72 months
0.0267123%
9.75%
New Autos
(amount greater than $50,000.00)
84 months
0.0267123%
9.75%
Used Autos 2023 & 2022
48-72 months
0.0280822%
10.25%
Used Autos 2023 & 2022
48 months
(15% down)
0.0267123%
9.75%
Used Autos 2023 & 2022
60-72 months
 (15% down)
0.0273973%
10.00%
Used Autos 2021 & 2020
Up to 72 months
0.0294521%
10.75%
Up to 72 months
    (15% down)
0.0280822%
10.25%
Used Autos 2019 & Older
Up to 72 months
    
0.03219178%
11.75%
Up to 72 months
    (15% down)
0.03082192%
11.25%
New Recreational Vehicles




BOATS Excluded
Up to 48 months     (10% down)
0.0150685%
5.50% – 10.25%
Up to 60 months     (10% down)
0.0150685%
5.50% – 10.25%
Up to 120 months     (15% down)
0.0150685%
5.50% – 10.25%
Used Recreational Vehicles




BOATS Excluded
Up to 48 months
    (15% down)
0.01917808%
7.00% – 11.75%
Up to 60 months
    (15% down)
0.01917808%
7.00% – 11.75%
Up to 120 months     (15% down)
0.01917808%
7.00% – 11.75%
Annual Percentage Rate: The annual percentage rate you receive for certain sub-accounts listed will be within the range disclosed and will be based on certain creditworthiness criteria.  Automatic transfer of payment and down payment discounts are available on certain sub-accounts.  Ask us the rate for which you qualify.* Daily Periodic Rate percentage pertains to the lowest APR figures in a range.
Late Charge: If you are 10 days or more past due on your loan, you will pay a late charge of 5% of your monthly payment, minimum $5.00.
Collection Cost: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.