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Loan Rates
Borrow the money you need for most any worthwhile
purpose. Whether it’s secured with collateral or unsecured,
check out our low rates and flexible terms. Our rates are based
on your credit score, which helps you receive the best possible
rate we offer.
The FICO credit score provided by your Trans Union
credit report determines loan rates.
New and Used Auto Loan Rates
Grade |
Credit Score |
Rate
up to 60 mos |
Rate
72-96 Mos |
| A+ paper |
850-750 |
3.25% |
4.75% |
| A paper |
749-690 |
4.20% |
5.70% |
| B paper |
689-640 |
5.54% |
7.04% |
| C paper |
639-600 |
7.88% |
9.38% |
| D paper |
599-200 |
15.00% |
15.00% |
Collateral Loan Rates
Grade |
Credit Score |
Rate
up to 60 mos |
Rate
72-120 Mos |
| A+ paper |
850-750 |
5.00% |
7.50% |
| A paper |
749-690 |
5.28% |
8.03% |
| B paper |
689-640 |
5.55% |
8.55% |
| C paper |
639-600 |
7.77% |
10.77% |
| D paper |
599-200 |
13.00% |
14.50% |
Home Improvement Loans
Grade |
Credit Score |
Rate
up to 60 mos |
| A+ Paper |
850-750 |
7.00% |
| A Paper |
749-690 |
7.54% |
| B Paper |
689-640 |
8.09% |
| C Paper |
639-600 |
8.61% |
| D Paper |
599-200 |
14.50% |
Signature Loans
Grade |
Credit Score |
Rate
up to 60 mos |
| A+ Paper |
850-750 |
7.50% |
| A Paper |
749-690 |
8.04% |
| B Paper |
689-640 |
8.58% |
| C Paper |
639-600 |
10.72% |
| D Paper |
599-200 |
15.00% |
Overdraft Line of Credit on Checking
All rates at 15.00% regardless of credit score
Share Secured Loans
Loan rate 3 points higher than on pledged certificate
rate.
Term up to 84 months.
Certificate Pledged Loans
Loan rate 4 points higher than on pledged certificate
rate. Term up 84 months.
*Rates are determined by the Board of
Directors and could change at any time. Please contact our office
for our current rates.
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