Loan Rates effective as of 9/21/2022

Loan rates



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Type of loanPrime 800+Prime 799-780Prime 779-760A+ 759-740A 739-720B+ 719-700B
699-660
C+ 679-660C
659-640
D
639-600
*Auto4.24%4.24%4.24%4.49%4.99%5.99%6.49%8.99%10.50%11.95%
Cycles/RV4.25%4.25%4.50%4.75%5.00%5.25%7.00%10.75%12.75%17.99%
Mini-mortgage4.75%4.75%4.75%5.00%5.25%6.25%6.75%8.00%8.50%12.00%
Unsecured8.00%8.00%8.00%8.00%8.00%10.00%11.00%12.00%12.00%12.00%
Visa7.99%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:
-.10% 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.