Loan Rates

Remember…you can get your loan rate discounted up to 1.00% through our member loyalty program! See details on our home page.

Rates subject to change based on credit history.
City Employees and Retirees receive a 0.50% discount when using direct deposit.

RATES LISTED BELOW INCLUDE ALL DISCOUNTS.

Loan Type Rate APR*
Automobile (New & Used)
Up To 60 Months (2010-2017) 1.25% 1.25%
66 Mos. (2014-2017 - Min. $10K) 1.35% 1.35%
72 Mos. (2015-2017 - Min. $10K) 1.75% 1.75%
78 Mos. (New Only - Min. $15K) 2.25% 2.25%
84 Mos. (New Only - Min. $15K) 2.75% 2.75%
New Boats
48 Months 3.00% 3.00%
60 Months 3.25% 3.25%
72 Months, $15,000+ 3.75% 3.75%
120 Months, $25,000+ 4.25% 4.25%
Used Boats
Up to 48 Months 3.00% 3.00%
Up to 60 Months, $15,000+ 3.25% 3.25%
New Motorcycles
Up to 48 Months 3.45% 3.45%
60 Months 4.00% 4.50%
Used Motorcycles
Up to 48 Months 3.75% 3.75%
60 Months, $15,000+ 4.50% 4.50%
New Motor Homes / RVs
7 Years (84 Months) 4.00% 4.00%
10 Years (120 Months), $20,000-29,999 5.00% 5.00%
12 Years (144 Months), $30,000+ 6.00% 6.00%
Used Motor Homes / RVs
6 Years (72 Months) 5.00% 5.00%
10 Years (120 Months), $20,000-29,999 6.50% 6.50%
12 Years (144 Months), $30,000+ 7.50% 7.50%
Motorized Farm Equipment
48 Months 4.50% 4.50%
60 Months, $15,000+ 5.50% 5.50%
Signature / MasterCard
Signature 7.45% 7.45%
2nd Chance Loans N/A N/A
MasterCard 7.25% 7.25%
Platinum MasterCard 6.45% 6.45%
Miscellaneous
Titled, Up to 60 Months 6.00% 6.00%
Untitled, Up to 60 Months 7.40% 7.40%

* APR: Annual Percentage Rate
Rates quoted are the lowest available, based on individual credit score.