Consumer Loan Rates


Effective: 03/01/2019

SECURED LOANS

Score Grade of Paper 24 Months APR* 36 Months APR* 48 Months APR* 60 Months APR* 72 Months APR* 84 Months APR*
730 + Platinum 2.49% 2.49% 2.74% 2.74% 3.24% 4.24%
680 – 729 A 3.00% 3.00% 3.00% 3.00% 3.50% 4.74%
640 – 679 B 4.24% 4.24% 4.24% 4.24% 5.24% 6.24%
600 – 639 C 6.74% 6.74% 6.74% 6.74% 7.74% 8.99%
550 - 599 D 9.24% 9.24% 9.24% 9.24% 10.24% 11.49%
549 or less E 11.24% 11.24% 11.24% 11.24% 12.24% 13.49%

New & Used Vehicles, Recreational Vehicles including ATV’s, Boats, Motorcycles, Motor Homes, Campers, Travel Trailers, Antique Cars, and Farm Equipment
Motor Homes & Farm Equipment are eligible for terms up to 10 years at 100% of sticker price or NADA Book Value. The interest rate will increase by 0.25% for each year after the stated rate for 84 months.
May receive a 0.25% discount if loan payment is payroll deduction or autopay.


UNSECURED LOANS

Score Grade of Paper APR*
730 + Platinum 10.25%
680 – 729 A 11.25%
640 – 679 B 13.25%
600 – 639 C 15.25%
550 – 599 D 17.25%
549 or less E 17.99%

Personal Loans, Home Improvement Loans, Consolidation Loans up to 60 Months may receive a 0.25% discount if loan payment is payroll deduction or autopay.


MOBILE HOME LOANS

Score Grade of Paper APR*
730 + Platinum 6.00%
680 – 729 A 7.00%
640 – 679 B 8.00%
600 – 639 C 9.00%
550 – 599 D 11.00%
549 or less E 13.00%

Single/Double Wide, Manufactured Homes Up to 180 Months No Down-Payment is required on Single-Wide Mobile Homes.
Down Payments on Double Wides/Manufactured Homes: We will loan up to 95% of the sticker price or NADA value, if the member owns the land. We will loan up to 90% of the sticker price or NADA value, if the member does not own the land.


OTHER LOAN TYPES

Loan Type Details APR*
Share Secured Loans Secured by Certificate – 2.00% above CD rate 2.00%
Education Loans Maximum per Household $15,000.00
Proof of Enrollment or Proof of Student Loan Debt
5.00%
Business Purpose Loans Maximum Repayment – 10 Years
Up to $50,000.00
7.00%
Long Reach MasterCard Credit Card Maximum Amt. $10,000.00 10.90%
Demand 90 Day Note Maximum Amt. $1,000.00 9.90%