Lending Rates

From small personal loans to large vehicle loans, our rates are always low and competitive so you can afford to borrow what you need.

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New & Used Cars

Term	as low as APR*	Min. Amount**
36 months	4.49%	$5,001+
48 months	4.59%	$7,501+
60 months	4.69%	$10,001+
72 months	5.74%	$20,001+
84 months	6.49%	$30,001+

Effective July 17, 2023

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

New & Used Motorcycles

Term	as low as APR*	Min Amount**
36 Months	4.99%	$5,001+
48 Months	5.49%	$7,501+
60 Months	5.99%	$10,001+
72 Months	6.99%	$20,001+
84 Months	7.49%	$30,001+

Effective July 17, 2023

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

New & Used SUVs & Trucks

Term	as low as APR*	Min Amount**
96 Months	5.29%	$50,001+
108 Months	5.59%	$60,001+
120 Months	5.79%	$70,001+

Effective July 17, 2023

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Minimum required finance amount must exceed amount listed. Shorter terms available with lower minimum finance amount.

Private Party Vehicle Title Sales

Term	as low as APR*	Min. Amount**
36 Months	4.99%	$5,001+
48 Months	5.09%	$7,501+
60 Months	5.19%	$10,001+
72 Months	6.29%	$20,001+
84 Months	6.99%	$30,001+

Effective July 17, 2023

New & Used RVs & Boats

Term	as low as APR*	Min Amount**
48 Months	5.09%	$5,001+
60 Months	5.19%	$10,001+
72 Months	5.39%	$20,001+
84 Months	5.89%	$30,001+
96 Months	6.39%	$40,001+
120 Months	6.79%	$50,001+

Effective July 17, 2023

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Recreational vehicles older than 10 model years are financed up to 90% LTV. Shorter terms with lower minimum finance amount available.

New & Used Powersport, ATV, UTV & Dirt Bikes

Term	as low as APR*	Min Amount**
48 Months	5.29%	$5,001+
60 Months	5.39%	$10,001+
72 Months	5.59%	$20,001+
84 Months	5.89%	$30,001+

Effective July 17, 2023

New & Used Farm Equipment & Trailers (Special Secured)

Term	as low as APR*	Min Amount**
48 Months	5.29%	$5,001+
60 Months	5.49%	$10,001+
72 Months	5.69%	$20,001+
84 Months	5.99%	$30,001+

Effective July 17, 2023

Mastercard

Account Feature	Term
Purchase APR*	9.90%
Cash Advance APR*	9.90%
Annual Fee	None
Late Payment Fee	$15
Credit Card Replacement Fee	$10
Credit Card Rush Delivery	At Cost
Over the Credit Limit Fee	$10
Delinquent Account APR*	15.99%
Grace Period	25 Days

Effective August 19, 2022

*APR = Annual Percentage Rate. Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.

Personal Lending

Account	as low as APR*	Max Term**
Personal Loan	7.49%	Based on Balance
Overdraft Line of Credit	7.99%	Based on Balance
Line of Credit	7.99%	Based on Balance

Effective July 18, 2023

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit. **Maximum term and monthly payment based upon balance owed.

Special Purpose Loans

Loan Purpose	APR*	Max Term
Holiday†	7.49%	12 months
Vacation†	7.49%	12 months
Disaster Recovery†	7.09%	12 months

Effective July 18, 2023

*APR = Annual Percentage Rate. †Loan amount based on individual credit. Holiday loans available October 1 – January 31. Vacation loans available May 1 – August 31. Disaster Recovery loan max $3,000.

Secured Loans