Loan Rates

Sub Account Description% Above IndexTermAnnual Percentage RatePayment Per $1000TermAnnual Percentage RatePayment Per $1000
Vehicles & Motorcycles
New
 1 - 72 months4.29%$29.66¹
Used
Up to 4 model-years old** - 20,000 mi or less1 - 60 months4.29%$29.66¹61-72 months5.29%$19.01²
Up to 4 model-yrs old**1 - 60 months5.29%$30.11³61-72 months6.29%$19.474
5 - 8 model-years old**1 - 48 months6.29%$30.56549-60 months7.29%$19.956
9 - 12 model-years old**1 - 36 months8.29%$31.48737-48 months9.29%$25.038
 49-60 months10.29%$21.409
ATVs/Snowmobiles/Lawn Tractors/Trailers*
New1 - 60 months6.29%$30.565
Used - 5 years old or newer1 - 48 months7.29%$31.021049-60 months8.29%$20.4311
6 - 10 years old1 - 36 months9.29%$31.941237-60 months10.29%$21.4113
Campers/Boats/Tractors*
New1 - 84 months5.29%$19.01²
New over $25,000.0085 - 120 months7.29%$19.956
Used - 5 yrs or newer1 - 60 months7.29%$19.956
Used over $15,000.0061 - 84 months8.29%$20.4214
6 - 12 yrs old1 - 60 months9.29%$20.9115
Used over $15,000.0061 - 84 months10.29%$21.409
Heating System Loans - New1-60 months6.99%$19.8317
Personal Loans
 1 - 60 months12.99%$33.7016
Commercial Collateral*
New & Used
Trucks/Equipmentup to 72 months9.29%$20.9115
$10,000.00 & over requires appraisal
Stock Secured
 1 - 36 months7.29%$31.0210
 37 - 72 months9.29%$20.9115
Share/Certificate Secured
Fixed Term1 - 60 monthsPlease call for rate
 61 - 120 monthsPlease call for rate
Lines of CreditPlease call for rate
Variable Rate Lines of Credit
Unsecured+9% over primeN/A3% payment
Payment = $31/month or
3% of outstanding balance at month end
Collateral Secured+6% over primeN/A3% payment
Payment = $31/month or
3% of outstanding balance at month end

Effective as of 7:30 AM on October 23, 2017. Rates subject to change

Download our Loan Application.

*$10,000.00 & over may require an appraisal
**Vehicle year rolls over on April 1
***The Annual Percentage Rate (APR) for new and existing balances will be the prime rate as published in The Wall Street Journal (index), rounded to the next higher 0.25%, plus a margin 9%.  We will use the most recent Index value available to us as of 45 days prior to any annual percentage rate adjustment.  The APR will change annually on the first day of January to reflect any change in the Index.  The APR will never be greater than 16% or the maximum rate allowed by law, whichever is less.  Any increase in the APR will result in more payments of the same amount until what owed has been repaid.  The prime rate was 3.50% APR as of December 17, 2015.
****The Annual Percentage Rate (APR) for new and existing balances will be the prime rate as published in The Wall Street Journal (index), rounded to the next higher 0.25%, plus a margin 6%.  We will use the most recent Index value available to us as of 45 days prior to any annual percentage rate adjustment.  The APR will change annually on the first day of January to reflect any change in the Index.  The APR will never be greater than 16% or the maximum rate allowed by law, whichever is less.  Any increase in the APR will result in more payments of the same amount until what owed has been repaid.  The prime rate was 3.50% APR as of December 17, 2015.
¹Based on term of 36 months.  Estimated monthly payment is $29.66 per $1,000 borrowed.
²Based on term of 60 months.  Estimated monthly payment is $19.01 per $1,000 borrowed.
³Based on term of 36 months.  Estimated monthly payment is $30.11 per $1000 borrowed.
4Based on term of 60 months.  Estimated monthly payment is $19.47 per $1000 borrowed.
5Based on term of 36 months.  Estimated monthly payment is $30.56 per $1000 borrowed.
6Based on term of 60 months.  Estimated monthly payment is $19.95 per $1000 borrowed.
7Based on term of 36 months.  Estimated monthly payment is $31.48 per $1000 borrowed.
8Based on term of 48 months.  Estimated monthly payment is $25.03 per $1000 borrowed.
9Based on term of 60 months.  Estimated monthly payment is $21.40 per $1000 borrowed.
10Based on term of 36 months.  Estimated monthly payment is $31.02 per $1000 borrowed.
11Based on term of 60 months.  Estimated monthly payment is $20.43 per $1000 borrowed.
12Based on term of 36 months.  Estimated monthly payment is $31.94 per $1000 borrowed.
13Based on term of 60 months.  Estimated monthly payment is $21.41 per $1000 borrowed.
14Based on term of 60 months.  Estimated monthly payment is $20.42 per $1000 borrowed.
15Based on term of 60 months.  Estimated monthly payment is $20.91 per $1000 borrowed.
16Based on term of 36 months.  Estimated monthly payment is $33.70 per $1000 borrowed.
17Based on term of 60 months. Estimated monthly payment is $19.83 per $1000 borrowed.