Loan Rates effective as of 10/1/2026
| Type of loan | Prime 800+ | Prime 799-780 | Prime 779-760 | A+ 759-740 | A 739-720 | B+ 719-700 | B 699-680 | C+ 679-660 | C 659-640 | D 639-600 |
| *Auto | 5.49% | 5.49% | 5.49% | 5.74% | 6.24% | 7.24% | 7.49% | 10.24% | 10.49% | 12.49% |
| Cycles/RV | 7.74% | 7.74% | 7.74% | 7.74% | 9.24% | 10.24% | 11.24% | 12.99% | 14.20% | 14.25% |
| Mini-Mortgage | 6.25% | 6.25% | 6.25% | 6.50% | 6.75% | 7.75% | 8.25% | 10.50% | 10.50% | 10.50% |
| Unsecured | 8.00% | 8.00% | 8.00% | 8.00% | 9.00% | 10.00% | 11.00% | 12.00% | 12.00% | 12.00% |
| Visa | 7.99% | 7.99% | 7.99% | 7.99% | 7.99% | 7.99% | 11.99% | 11.99% | 11.99% | 11.99% |
Term Limits and Rate Add-ons:
Auto loans: Rates above are for 60-month terms and 100% loan-to-value. Other terms are available with rate discounts or adds.
Auto Loan Discounts:
-.25% for terms ≤ 48 months.
-.25% for < 70% loan-to-value.
Auto Loan Adds:
+.25% for 72-month term
+.50% for model years 2012-2016; +1.00% for model years over 10 years.
+.50% for each extra 10% loan-to-value over base (determined by credit score) up to 120% loan-to-value max.
Mortgage Loan Adds:
+.25% for for second position lien.
+.25% for > 90% loan-to-value. +.50% for > 100% loan-to-value.
+.50% for 6-year term; +.75% for 7-8 year terms; +1.50% for 9-10 year terms.