Rates
Loan Rates
For printable rates, click here.
Automobile Loans
Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score
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100% of purchase price plus tax, license, and extended warranty. Not to exceed Retail Blue Book.
* For Loans Exceeding $15,000 |
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Not to exceed retail Blue Book for purchases. Not to exceed wholesale Blue Book for non-purchase. *For Loans Exceeding $10,000 |
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Note: Autos with verifiable value or loan balance in excess of $2,500 require full coverage insurance and we will be required to force place insurance, if applicable.
Salvaged and/or reconstructed titled vehicles are not eligible for financing.
Recreational Vehicle and Equipment Loans
Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score
Up to 100% of purchase price - may include tax, license, GAP, and extended warranty (oac)
* For loans Exceeding $20,000 |
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Purchase - Up to 100% of retail value - may include tax, license, GAP, and extended warranty (oac) Non-Purchase - Up to 100% of wholesale value - may include tax, license, GAP, and extended warranty (oac)
* For loans Exceeding $20,000 |
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Note: The definition of recreational vehicles includes but is not limited to travel trailers, motor homes, Boats/Motors/Trailers, Jet skis, Campers, Motorcycles, ATVs, and Quads.
Salvaged and/or reconstructed titled vehicles are not eligible for financing.
Real Estate Loans
Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score
* Loan to Value less any encumbrances.
¹ For loan requests with Loan to Values between 91% and 100%, exceptions may be considered.
Note: Unimproved property must be adjacent to subject property and may only be used as additional security on real estate loan. 50% of appraised value
Mobile Homes
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80% of purchase price excluding tax & license |
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80% of appraised value established by a certified appraiser |
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2003 and newer model years.
Mobile Homes are required to have an Affidavit of Affixture to be considered for a 2nd Mortgage.
Proof of insurance is required prior to disbursement of funds.
Secured Loans
(100% shares on deposit) |
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(100% Shares on deposit) |
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(100% Certificate amount) |
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100% of Acceptable Collateral i.e. computers, major appliances, etc. |
Unsecured Loans
Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score| (fixed) | |||
| (open end/LOC) (.25% discount with net pay) |
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