Rates
Loans Shares Fee Schedule and Limits
Effective as of: January 2022
| Loan Rates | ||
| New Vehicles | ||
| 2022 (MSRP) | ||
| Term | APR | |
| 3 yrs (36 months) | 3.50% | |
| 4 yrs (48 months) | 3.75% | |
| 5 yrs (60 months) | 4.00% | |
| 6 yrs (72 months) | 4.25% | |
| 7 yrs (84 months) | 4.50% | |
| 2019-2021 (Clean Retail) | ||
| Term | APR | |
| 3 yrs (36 months) | 3.50% | |
| 4 yrs (48 months) | 3.75% | |
| 5 yrs (60 months) | 4.00% | |
| 6 yrs (72 months) | 4.25% | |
| 7 yrs (84 months) | 4.50% | |
| Recreational Vehicles | ||
| Term | APR | |
| 8 yrs to 11 yrs (96 to 132 mths) | 5.00% | |
| 12 yrs to 15 yrs (144 to 180 mths) | 5.50% | |
| Used Vehicles | ||
| 2018 - Older* Clean Retail | ||
| Term | APR | |
| 2 yrs (24 months) | 3.75% | |
| 3 yrs (36 months) | 4.25% | |
| 4 yrs (48 months) | 4.75% | |
| 5 yrs (60 months) | 5.25% | |
| 6 yrs (72 months) | 5.75% | |
| * Not to exceed 20 years | ||
| Recreational Vehicles | ||
| Term | APR | |
| 7 yrs to 10 yrs (84 to 120 mths) | 6.25% | |
| Debt Consolidation | ||
| 10 yrs (120 months) | 10.25% | |
| Personal | ||
| 5 yrs (60 months) | 9.75% | |
| Share Secured** | ||
| 2.75% PLUS | ||
| ** 2.75% over the current rate on CD or Share account | ||
| Other*** | ||
| 6.75% | ||
| ***(Riding lawn mowers, backhoes) | ||
| Home Equity Line of Credit | ||
| 20 yrs (240 months) | 5.25% (4.25% with 700 credit score) | |
| A $50.00 charged will be required on all refinances less than 3 payments made. | ||
| Deferred payment fee $25.00 (not less than 12 consecutive months). | ||
| 1% principal fee charged on all refinances lowering rate and payment. | ||
| All of the posted loan rates are the starting point we use when calculating a loan. The interest rate could go up or down depending on your credit score and the loan to value of the collateral that we are using. | ||