Loan Rates
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All loan rates are quoted as an annual percentage rate (APR)*.
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
*A sample of a repayment schedule does not include taxes and insurance premiums. All loans are subject to approval.
*Sample repayment schedule: 66 monthly payments of $8.44 at 2.94% APR per $1,000.00 borrowed. *
** Our Consumer Lending Rates cover a wide variety of vehicles, including Automobiles, Motorcycles, Campers, and Boats. **
VEHICLES - INCLUDING AUTOMOBILES, MOTORCYCLES, CAMPERS, AND BOATS
RATES EFFECTIVE:
February 23, 2026
*Actual rates may be higher based on your credit worthiness. *
| Year | Amount/Term | Rate |
|---|---|---|
|
2024 to 2026 |
CALL FOR TERM |
AS LOW AS 5.25% |
|
2020 to 2023 |
CALL FOR TERM |
AS LOW AS 6.00% |
|
2019 and Older |
CALL FOR TERM |
AS LOW AS 6.50% |
OTHER TYPES OF VEHICLES
EFFECTIVE: February 23, 2026
* ATV’S, SNOWMOBILES, AND JET SKIS COINCIDE WITH AUTO RATES ADD 1% APR*
* LAWN MOWERS, NON-RV TRAILERS, GOLF CARTS, AND TRACTORS RATES COINCIDE WITH VEHICLE RATES ADD 2.25% APR *
*Actual rates may be higher based on your credit worthiness. *
COLLATERALIZED (TITLE) LOANS
Effective: February 23, 2026
*Actual rates may be higher based on your credit worthiness.
| Amount/Term | Year | Rate |
|---|---|---|
|
SECURED WITH TITLED COLLATERAL |
MODEL YEAR 2024 to 2026 |
AS LOW AS 5.25% |
|
SECURED WITH TITLED COLLATERAL |
MODEL YEARS 2020 to 2023 |
AS LOW AS 6.00% |
|
SECURED WITH TITLED COLLATERAL |
MODEL YEARS 2019 AND OLDER |
AS LOW AS 6.50% |
FIRST MORTGAGE LOANS
Effective: February 23, 2026
*Actual rates may be higher based on your credit worthiness.
| Amount/Term | Rate | |
|---|---|---|
|
FIXED RATE IN HOUSE LOANS |
30, 20 , 15 , 10 or 5 YRS 80% LTV |
CALL FOR RATE |
|
SECONDARY MARKET |
CALL FOR DETAILS |
CALL FOR DETAILS |
HOME EQUITY LOANS
Effective: February 23, 2026
FIXED RATE HOME EQUITY LOANS.
Call For Rates, Details and Terms.
*Actual rates may be higher based on your credit worthiness. *
SHARE AND CERTIFICATE BACKED LOANS
Effective: February 23, 2026
*Actual rates may be higher based on your credit worthiness.*
| Amount/Term | Rate | |
|---|---|---|
|
CERTIFICATE LOAN |
MATURITY OF CERTIFICATE |
CALL FOR RATE |
|
SHARE SECURED |
48 MONTHS |
CALL FOR RATE |
UNSECURED LOANS
Effective: February 23, 2026
*Actual rates may be higher based on your credit worthiness.*
| Amount/Term | Rate | |
|---|---|---|
|
CLOSED END SIGNATURE |
UP TO 12 MONTHS |
AS LOW AS 9.50% |
|
CLOSED END SIGNATURE |
13 TO 36 MONTHS |
AS LOW AS 10.00% |
|
OPEN END SIGNATURE |
24 MONTH REVIEW |
AS LOW AS 11.00% |
OTHER FEES- EFFECTIVE OCTOBER 1, 2024
| Item | Fee |
|---|---|
|
NSF RETURN ITEM |
$10.00 |
|
NSF RETURN ITEM |
$23.00 |
|
PHOTOCOPY OF CHECK |
$5.00 |
|
STOP PAYMENT OF CHECK |
$15.00 |
|
ACH/EFT REVOKE |
FREE |
|
CASHIER/TELLER CHECK (OTHER PARTY) |
$5.00 |
|
REPLACEMENT DEBIT CARD |
$20.00 |