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Rates

Effective as of: 01-01-2025


Why borrow elsewhere when you can get more for less?

NEW AUTOS	TERM	APR*
Model Years 2025 or newer	up to 36 months	3.50%**
	up to 60 months	4.75%**
	up to 72 months	5.25%**
	up to 84 months	7.00%**
***Loyalty Discounts Available
USED AUTOS	TERM	APR*
Model Years 2024 - 2022	up to 36 months	3.50%**
	up to 60 months	4.75%**
- over $12,000	up to 72 months	5.25%**
- over $20,000	up to 84 months	7.00%**
Model Year 2021 - 2020	up to 48 months	4.75%**
- over $12,000	up to 60 months	5.25%**
- over $20,000	up to 72 months	6.00%**
Model Year 2020 – 2018	up to 36 months	5.25%**
- over $12,000	up to 54 months	7.00%**
- over $20,000	up to 72 months	9.75%**
Model Year 2018 and older	up to 60 months	9.25%**
***Loyalty Discounts Available
BOATS and RV's	TERM	APR*
- less than $30,000	up to 60 months	Same rates as auto loans
- less than $60,000	up to 72 months	Same rates as auto loans
- over $60,000, not to exceed $150,000	up to 180 months	Same rates as auto loans
PERSONAL LOANS	TERM	APR*
Maximum amount $10,000.00	up to 60 months	10.50%**
***Loyalty Discounts Available
FLEX LOANS (Credit Rebuilder)
Phase 1 - up to $500.00	up to 3 months	18.00%
Phase 2 - up to $1,000.00	up to 6 months	18.00%
PAY DAY ALTERNATIVE LOAN	TERM	APR*
Maximum amount $1,000.00	up to 6 months	28.00%
$20.00 application fee
SHARE SECURED LOANS	TERM
Maximum amount $50,000.00	up to 72 months	current share rate plus 3.75%
CREDIT CARDS	LIMITS	APR*
VISA - Platinum	$5,000 to $7,500	7.99%
VISA - Gold	$2,500 to $5,000	9.50%
VISA - Classic	$250 to $2,500	13.50%
No Annual Fee, No Balance Transfer Fee, Same Low Rate on Cash Advances


*Annual Percentage Rate
**Loan rate starting at..., based on credit score.
***Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.
****Some restrictions may apply. Call and speak to a loan processor today.