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.

Effective Date 7/1/2017

Loan Type Rate APR*
Automobile (New & Used)
Up To 60 Months (2007-2017) 3.00% 3.00%
66 Mos. (2014-2017 - Min. $10K) 3.10% 3.10%
72 Mos. (2015-2017 - Min. $10K) 3.50% 3.50%
78 Mos. (New Only - Min. $15K) 4.00% 4.00%
84 Mos. (New Only - Min. $15K) 4.50% 4.50%
New Boats
48 Months 3.50% 3.50%
60 Months 3.75% 3.75%
72 Months, $15,000+ 4.25% 4.25%
84 Months, $20,000+ 4.75% 4.75%
120 Months, $25,000+ 5.00% 5.00%
Used Boats
Up to 48 Months 3.50% 3.50%
Up to 60 Months, $15,000+ 3.75% 3.75%
New Motorcycles
Up to 48 Months 3.50% 3.50%
60 Months 3.75% 3.75%
Used Motorcycles
Up to 48 Months 3.50% 3.50%
60 Months, $15,000+ 3.75% 3.75%
New Motor Homes / RVs
7 Years (84 Months) 5.00% 5.00%
10 Years (120 Months), $20,000-29,999 6.00% 6.00%
12 Years (144 Months), $30,000+ 7.00% 7.00%
Used Motor Homes / RVs
6 Years (72 Months) 6.00% 6.00%
10 Years (120 Months), $20,000-29,999 7.50% 7.50%
12 Years (144 Months), $30,000+ 8.50% 8.50%
Motorized Farm Equipment
48 Months 5.50% 5.50%
60 Months, $15,000+ 6.50% 6.50%
Signature / MasterCard
Signature 8.95% 8.95%
2nd Chance Loans N/A N/A
MasterCard 9.25% 9.25%
Platinum MasterCard 8.95% 8.95%
Miscellaneous
Titled, Up to 60 Months 7.00% 7.00%
Untitled, Up to 60 Months 8.40% 8.40%

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