Loan Rates

Sub Account Description% Above IndexTermAnnual Percentage RateMonthly Payment Per $1000TermAnnual Percentage RatePayment Per $1000
Vehicles & Motorcycles
New
 1 - 48 months3.79%$22.492449 - 72 months4.29%$15.781
Over $30,000.0073 - 84 months5.29%$14.2815
Used
Up to 4 model-years old** - 20,000 mi or less1 - 60 months4.29%$18.55261-72 months5.29%$16.246
Up to 4 model-yrs old**1 - 60 months5.29%$19.01361-72 months6.29%$16.717
5 - 8 model-years old**1 - 48 months6.29%$23.62449-60 months7.29%$19.948
Over $20,000.0061 - 72 months8.29%$17.6825
9 - 12 model-years old**1 - 36 months8.29%$31.47537-48 months9.29%$25.039
Over $15,000.0049-60 months10.29%$21.3910
ATVs/Snowmobiles/Lawn Tractors/Trailers/Snow Plows*
New1 - 60 months5.99%$19.3311
Used - 5 years old or newer1 - 48 months6.99%$23.951249-60 months7.99%$20.2814
6 - 10 years old1 - 36 months8.99%$31.801337-60 months9.99%$21.2427
Campers/Boats/Tractors*
New1 - 84 months4.99%$14.1328
New over $25,000.0085 - 120 months6.99%$11.6116
Used - 5 yrs or newer1 - 60 months6.99%$19.8029
Used over $15,000.0061 - 84 months7.99%$15.5917
6 - 12 yrs old1 - 60 months8.99%$20.7618
Used over $15,000.0061 - 84 months9.99%$16.6019
Heating System Loans
New1-60 months7.49%$20.0420
Personal Loans
 1 - 60 months12.99%$22.7521
Commercial Collateral*
New
1 -84 months7.29%$15.2426
Used
5 years or newer1 - 72 months8.29%$17.6825
6 or more years old1 - 72 months9.29%$18.1722
Stock Secured
 1 - 36 months7.79%$31.2523
 37 - 72 months9.79%$18.4330
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/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 primeN/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 November 25, 2020. Rates subject to change

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*$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 3.25% APR as of March 16, 2020.
****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 3.25% APR as of March 16, 2020.
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.