Loan rates

Competitive rates to get you what you need

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Share Secured

Term	APR*
24 mos	2.00% + Current share rate
36 mos	2.00% + Current share rate
48 mos	2.00% + Current share rate
60 mos	3.00% + Current share rate
72 mos	3.00% + Current share rate
84 mos	3.00% + Current share rate

Unsecured

Paper Grade	24 mos	36 mos	48 mos
A+ $8,000	8.45% APR*	8.95% APR	9.45% APR
A- $8,000	9.45% APR	9.95% APR	10.45% APR
B- $7,000	9.95% APR	10.95% APR	11.45% APR
C- $5,000	13.95% APR	14.45% APR	15.95% APR
D- $2,500	16.49% APR	16.75% APR	17.00% APR

New Vehicle Loans

Auto, trucks, motorcycles

**RVs, mobile homes. Add .5% for every year over 72 months.

Paper Grade	36 mos	48 mos	60 mos	72 mos over $25,000.00	84mos over $50,000.00
A+	2.99%	2.99%	2.99%	3.49%	4.49%
A	3.49%	3.49%	3.49%	3.99%	4.99%
B	3.99%	3.99%	3.99%	4.49%	5.49%
C	6.99%	6.99%	6.99%	7.49%	8.49%
D	9.99%	9.99%	9.99%	10.49%	11.49%

Used Vehicle Loans

Paper Grade	36 mos	48 mos	60 mos	72 mos over $25,000.00
A+	3.99%	3.99%	3.99%	4.49%
A	4.49%	4.49%	4.49%	4.99%
B	4.99%	4.99%	4.99%	5.49%
C	7.99%	7.99%	7.99%	8.49%
D	10.99%	10.99%	10.99%	11.49%

Fixed Home Equity Rates

*Add 0.50% for 15 years

Paper Grade	Rate (10 years)
A+, A, B	4.75%
C	5.25%
D	6.00%

Home Equity Line of Credit Rates

*Prime 4.75%

Paper Grade	Rate (10 years)
A+, A	-1.00% under prime 3.75%
B	Prime-4.75%
C	+1.00% over prime 5.75%
D	+2.00% over prime 6.75%

Scoring Scale

A+	720 and above
A	680 - 719
B	630 - 679
C	600 - 629
D	475 - 599