Auto & Signature Loan Rates

Loan Rates Effective As Of: July 1, 2019                                  

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          
2015-2019

Up to 72 Months

3.69% 4.19% 6.19% 9.19% 12.19% 15.19%
2010-2014

Up to 66 Months*

4.69% 5.44% 7.44% 10.44% 13.44% 16.44%
2015-2019 >$30,000

Up to 84 Months

4.94% 5.69% N/A N/A N/A N/A
 *2009 & older contact a Loan Officer for current 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
2015-2019

Up to 72 Months

 6.24% 6.74% 8.24% 9.24% 12.24% 15.24%
2010-2014

Up to 66 Months*

7.24% 7.74% 9.24% 10.24% 13.24% 16.24%
2015-2019 >$30,000

Up to 84 Months

 7.49% 7.99% 9.49% 10.49% 13.49%  16.49%
*2009 & older contact a Loan Officer for current 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 8.49% 8.99% 9.99% 11.74% 14.24% 15.74%
24 Months 8.74% 9.24% 10.24% 11.99% 14.49% 15.99%
36 Months 8.99% 9.49% 10.49% 12.24% 14.74% 16.24%
48 Months 9.24% 9.74% 10.74% 12.49% 14.99% 16.49%
Share/CD Secured  3.24% 3.24% 3.24% 3.24% 3.24% 3.24%
Lines of Credit
Regular Prime + 6.0 11.50%
Plus Prime + 3.0 8.50%
Premium Prime 5.00%
Overdraft 17.00%
Stretch Pay 18.00%
 Rates are  subject to change at any time.