| Sub Account Description | % Above Index | Term | Annual Percentage Rate | Monthly Payment Per $1000 | Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|---|---|---|---|---|
| Vehicles & Motorcycles | |||||||
| New | |||||||
| 1 - 48 months | 4.79% | $22.4924 | 49 - 72 months | 5.29% | $15.781 | ||
| Over $30,000.00 | 73 - 84 months | 6.29% | $14.2815 | ||||
| Used | |||||||
| Up to 4 model-years old - 20,000 mi or less | 1 - 60 months | 5.29% | $18.552 | 61-72 months | 6.29% | $16.246 | |
| Up to 4 model-yrs old | 1 - 60 months | 6.29% | $19.013 | 61-72 months | 7.29% | $16.717 | |
| 5 - 8 model-years old | 1 - 48 months | 7.29% | $23.624 | 49-60 months | 8.29% | $19.948 | |
| Over $20,000.00 | 61 - 72 months | 8.99% | $17.6825 | ||||
| 9 - 12 model-years old | 1 - 36 months | 8.99% | $31.475 | 37-48 months | 9.99% | $25.039 | |
| Over $15,000.00 | 49-60 months | 10.99% | $21.3910 | ||||
| ATVs/Snowmobiles/Lawn Tractors/Trailers/Snow Plows* | |||||||
| New | 1 - 60 months | 5.99% | $19.3311 | ||||
| Over $15,000.00 | 61-72 months | 6.99% | $17.0631 | ||||
| Used - 5 years old or newer | 1 - 48 months | 7.49% | $23.9512 | 49-60 months | 8.49% | $20.2814 | |
| 6 - 10 years old | 1 - 36 months | 8.99% | $31.8013 | 37-60 months | 9.99% | $21.2427 | |
| Campers/Boats/Tractors* | |||||||
| New | 1 - 84 months | 5.99% | $14.1328 | ||||
| New over $25,000.00 | 85 - 120 months | 7.99% | $11.6116 | ||||
| Used - 5 yrs or newer | 1 - 60 months | 7.49% | $19.8029 | ||||
| Used over $15,000.00 | 61 - 84 months | 8.49% | $15.5917 | ||||
| 6 - 12 yrs old | 1 - 60 months | 8.99% | $20.7618 | ||||
| Used over $15,000.00 | 61 - 84 months | 9.99% | $16.6019 | ||||
| Heating System/Generator Loans | |||||||
| New | 1-60 months | 7.49% | $20.0420 | ||||
| Personal Loans | |||||||
| 1 - 60 months | 12.99% | $22.7521 | |||||
| Commercial Collateral* | |||||||
| New | |||||||
| 1 -84 months | 7.29% | $15.2426 | |||||
| Used | |||||||
| 5 years or newer | 1 - 72 months | 8.29% | $17.6825 | ||||
| 6 or more years old | 1 - 72 months | 9.29% | $18.1722 | ||||
| Share/Certificate Secured | |||||||
| Fixed Term | 1 - 60 months | Please call for rate | |||||
| 61 - 120 months | Please call for rate | ||||||
| Lines of Credit | Please call for rate | ||||||
| Variable Rate Lines of Credit | |||||||
| Unsecured*** | +9% over prime | N/A | $31.00 or 3.00% of outstanding balance determined on last day of the month of the most recent advance, whichever is greater. | ||||
| Collateral Secured**** | +6% over prime | N/A | $31.00 or 3.00% of outstanding balance determined on last day of the month of the most recent advance, whichever is greater. | ||||
Effective as of 7:30 AM on April 27, 2024. Rates subject to change
Apply for a loan.
*$10,000.00 & over may require an appraisal
***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 8.50% APR as of July 27, 2023.
****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 8.50% APR as of July 27, 2023.
¹Based on term of 72 months. Estimated monthly payment is $15.78 per $1000 borrowed.
²Based on term of 60 months. Estimated monthly payment is $18.55 per $1000 borrowed.
³Based on term of 60 months. Estimated monthly payment is $19.01 per $1000 borrowed.
4Based on term of 48 months. Estimated monthly payment is $23.62 per $1000 borrowed.
5Based on term of 36 months. Estimated monthly payment is $31.47 per $1000 borrowed.
6Based on term of 72 months. Estimated monthly payment is $16.24 per $1000 borrowed.
7Based on term of 72 months. Estimated monthly payment is $16.71 per $1000 borrowed.
8Based on term of 60 months. Estimated monthly payment is $19.94 per $1000 borrowed.
9Based on term of 48 months. Estimated monthly payment is $25.03 per $1000 borrowed.
10Based on term of 60 months. Estimated monthly payment is $21.39 per $1000 borrowed.
11Based on term of 60 months. Estimated monthly payment is $19.33 per $1000 borrowed.
12Based on term of 48 months. Estimated monthly payment is $23.95 per $1000 borrowed.
13Based on term of 36 months. Estimated monthly payment is $31.80 per $1000 borrowed.
14Based on term of 60 months. Estimated monthly payment is $20.28 per $1000 borrowed.
15Based on term of 84 months. Estimated monthly payment is $14.28 per $1000 borrowed.
16Based on term of 120 months. Estimated monthly payment is $11.61 per $1000 borrowed.
17Based on term of 84 months. Estimated monthly payment is $15.59 per $1000 borrowed.
18Based on term of 60 months. Estimated monthly payment is $20.76 per $1000 borrowed.
19Based on term of 84 months. Estimated monthly payment is $16.60 per $1000 borrowed.
20Based on term of 60 months. Estimated monthly payment is $20.04 per $1000 borrowed.
21Based on term of 60 months. Estimated monthly payment is $22.75 per $1000 borrowed.
22Based on term of 72 months. Estimated monthly payment is $18.17 per $1000 borrowed.
23Based on term of 36 months. Estimated monthly payment is $31.25 per $1000 borrowed.
24Based on term of 48 months. Estimated monthly payment is $22.49 per $1000 borrowed.
25Based on term of 72 months. Estimated monthly payment is $17.68 per $1000 borrowed.
26Based on term of 84 months. Estimated monthly payment is $15.24 per $1000 borrowed.
27Based on term of 60 months. Estimated monthly payment is $21.24 per $1000 borrowed.
28Based on term of 84 months. Estimated monthly payment is $14.13 per $1000 borrowed.
29Based on term of 60 months. Estimated monthly payment is $19.80 per $1000 borrowed.
30Based on term of 72 months. Estimated monthly payment is $18.43 per $1000 borrowed.
31Based on term of 72 months. Estimated monthly payment is $17.06 per $1000 borrowed.