Lending Rates

Effective as of 11/01/2024

Model Years 2023-2025 ^{_{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 60 Months	5.49%**
61 – 72 Months (Loan must be $18,001 or more)	5.74%**
73-84 Months (Loan must be $30,001 or more & mileage under 25,000 miles)	5.99%**

Model Years 2019-2022 ^{_{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 48 Months	5.99%**
49 – 60 Months	6.24%**
61 – 72 Months	6.49%**

Model Years 2016-2018 ^{_{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 36 Months	6.79%**
37-48 Months	7.04%**
49-60 Months	7.29%**

Model Years 2015 and older ^{_{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 36 months	8.79%**
37-48 months	9.04%**

Model Years 2023-2025 _{^{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 60 months	5.99%**
61-84 months	6.49%**
85-120 months	6.99%**
121-180 months	7.49%**

Model Years 2019-2022 _{^{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 60 months	6.49%**
61-84 months	6.99%**
85-120 months	7.49%**

Model Years 2018 and older _{^{Up to 100% financing available}}	Annual Percentage Rate as low as
Up to 60 months	7.99%**
61-84 months	8.49%**

First Mortgages and Home Equity Lines of Credit
Please call 800-245-6199 for rates and terms.

10 or 15 & Done Mortgage Loans	Annual Percentage Rate as low as
Up to 120 months	4.875%
121-180 months	4.99%

Home Equity Loans – 2nd lien position	Annual Percentage Rate as low as
Up to 60 months	6.24%
Please call us for terms greater than 60 months.

Personal/Signature Loan	Annual Percentage Rate as low as
Up to 36 months	11.74%
37-60 months	12.74%

Personal Line of Credit	Annual Percentage Rate as low as
	11.5% VAPR***

CD and Share Savings Secured Loans	Annual Percentage Rate as low as
CD Secured (up to 60 months)	2.25% APR* above rate of CD ^{(rounded to nearest .25%)}
Share Secured 6-24 month	2.00% APR* above rate of Share Account ^{(rounded to nearest .25%)}
Share Secured 25-48 month	2.50% APR* above rate of Share Account ^{(rounded to nearest .25%)}
Share Secured 49-60 month	3.00% APR* above rate of Share Account ^{(rounded to nearest .25%)}

Visa Platinum Ca$hback	Annual Percentage Rate as low as
Up to 36 months	11.90% VAPR***

Credit Card Disclosure

*APR=Annual Percentage Rate

**Rate Determined By Credit Score. All loans subject to approval. Rates, terms and conditions subject to change, and vary based on creditworthiness, qualifications and collateral condition.

***VAPR=Variable Annual Percentage Rate. Rate is calculated by The Wall Street Journal Prime Rate plus 4.40% to 15.40% margin (margin depends on credit worthiness).

Rates are subject to change at any time.

Fee Schedule – Effective 5/1/25