Auto & Signature Loan Rates

Loan Rates Effective As Of: September 1, 2018                                   

All percentage rates below are stated as APR-Annual Percentage Rate.

 
 
Grading A+ A B C D E
Beacon Score 720+  680-719  640-679 600-639  550-599 549 & Below
Auto Loans (Titled & Licensed Vehicles)
Model Years          
2014-2018

Up to 72 Months

3.49% 3.99% 5.99% 8.99% 11.99% 14.99%
2009-2013

Up to 66 Months*

4.24% 4.99% 6.99% 9.99% 12.99% 15.99%
2014-2018 >$30,000

Up to 84 Months

4.49% 5.24% N/A N/A N/A N/A
 *2008 & Older use 2009-2013 rates; effective up to 48 months; PURCHASE ONLY; Minimum Value of $5,000; and a member Beacon Score of 640 and greater
Motorcycles – ATVs – (Titled & Licensed Vehicles)
Model Years A+ A B C D E
2014-2018

Up to 72 Months

 6.24% 6.74% 8.24% 9.24% 12.24% 15.24%
2009-2013

Up to 66 Months*

7.24% 7.74% 9.24% 10.24% 13.24% 16.24%
2014-2018 >$30,000

Up to 84 Months

 7.49% 7.99% 9.49% 10.49% 13.49%  16.49%
*2008 & older use 2009-2013 rates; effective up to 48 months; PURCHASE ONLY; Minimum Value of $5,000; and a member Beacon Score of 640 and greater.

 Boats and Campers                                     
Beacon Score A+  

720 and Above

A  

680 – 719

B

640 – 679

C

600 – 639

D

550 – 599

E

549 and Below

Maximum LTV  125%  125%  100%   90%     90%   80%
 Up to $24,999

Max: 72 Months                

 5.24%      5.74 %  7.24%  8.24%  11.24%  14.24% 
 $25-74,999

Up to 120 Months

5.74% 6.24% 7.74% 8.74% 11.74% N/A
 $25-74,999

Up to 180 Months

6.24% 6.74% 8.24%  9.24% 12.74% N/A
 $75,000+

Max: 180 Months

6.49% 6.99% 8.49% N/A N/A N/A
             
Unsecured Loans
Term A+ A B C D E
12 Months 7.99% 8.49% 9.49% 11.24% 13.74% 15.24%
24 Months 8.24% 8.74% 9.74% 11.49% 13.99% 15.49%
36 Months 8.49% 8.99% 9.99% 11.74% 14.24% 15.74%
48 Months 8.74% 9.24% 10.24% 11.99% 14.49% 15.99%
Share/CD Secured  3.24% 3.24% 3.24% 3.24% 3.24% 3.24%
Lines of Credit
Regular Prime + 6.0 11.00%
Plus Prime + 3.0 8.00%
Premium Prime 5.00%
Overdraft 17.00%
Stretch Pay 18.00%
 Rates are  subject to change at any time.