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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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Effective May 24, 2018
New Autos† APR* Max Term
Up to 36 months 1.99% 36 months
37-48 months 1.99% 48 months
49-60 months 2.49% 60 months
61-72 months** 2.99% 72 months
73-84 months*** 3.49% 84 months
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.

*APR = Annual Percentage Rate. Rates listed are as low as. 1% discount for Natural Gas Vehicles and 0.25% discount for all other Alternative Fuel Vehicles.
**Amount financed must exceed $20,000.
***Amount financed must exceed $30,000.
Effective May 24, 2018
Used Autos† APR* Max Term
Up to 36 months 1.99% 36 months
37-48 months 1.99% 48 months
49-60 months 2.49% 60 months
61-72 months** 2.99% 72 months
73-84 months*** 3.49% 84 months
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as. 1% discount for Natural Gas Vehicles and 0.25% for all other Alternative Fuel Vehicles.
**Amount financed must exceed $20,000.
***Amount financed must exceed $30,000.
Effective May 24, 2018
Natural Gas Vehicles† APR* MAX TERM
New or Used Natural Gas Vehicle 0.99%** 84 months
EPA Qualified Conversion System 0.99% 84 months
Home Filling Station 6.99% 60 months
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
**Alternative Fuel Vehicle Discount already included in rates.
Effective May 24, 2018
New RVs† APR* Max Term
Up to 60 months 3.99% 60 months
61-84 months** 4.99% 84 months
85-120 months*** 5.99% 120 months
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $25,000.
***Amount financed must exceed $45,000.
Effective May 24, 2018
Used RVs† APR* Max Term
Up to 60 months 3.99% 60 months
61-84 months** 4.99% 84 months
85-120 months*** 5.99% 120 months
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $25,000.
***Amount financed must exceed $45,000.
Effective May 24, 2018
Mastercard • •
APR* on Purchases 9.90%
APR* on Cash Advance 9.90%
Annual Fee None
Late Payment Fee $10
Over the Credit Limit Fee $10
Grace Period 25 Days
Delinquent Account APR* 16.00%
Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.
*APR = Annual Percentage Rate.
Effective May 24, 2018
Unsecured Loans† APR* Max Term
Signature Loan 7.99% 84 months
Overdraft Line of Credit 7.99% Revolving††
Line of Credit 7.99% Revolving††
†Rates based on individual credit and repayment method. Unsecured limits based on income.†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
††Maximum term and monthly payment based upon balance owed.
Effective May 24, 2018
Special Purpose Loans APR* Max Term
Holiday** 15.00% 10 months
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
**Loan limit based on individual credit. Loans available October 1 – January 31.
Effective May 24, 2018
Secured Loans APR* Max Term
Share Secured Share Rate + 2.0% 60 months
Certificate Secured Certificate Rate + 2.00% 60 months
*APR = Annual Percentage Rate.
Effective May 24, 2018
Special Secured Loans APR* MAX TERM
Up to 60 months 7.99% 60 months
61-84 months** 8.49% 84 months
85-120 months*** 8.99% 120 months
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
**Amount financed must exceed $25,000.
***Amount financed must exceed $45,000.
Effective May 24, 2018
Home Equity Line of Credit APR* Term
Up to 95% Home Value 5.00% 180 months
*APR = Annual Percentage Rate. Rates listed are as low as and based on applicant’s credit history. Variable rate based on Prime Rate. Lowest possible APR is 5.00%.