Loan Rates

Remember…you can get your loan rate discounted up to 1.00% through our member loyalty program!

Rates subject to change based on credit history.
City Employees and Retirees receive a 0.25% discount when using direct deposit.

Effective Date 09/01/2023

  
                Loan Type
                Rates As Low As
                Additional Rates
            
				Automobile (New & Used)
			
				Up To 60 Months (2015-2025)
				5.50%
				
				66 Mos. (2022-2025 - Min. $10K)
				5.75%
				
				72 Mos. (2023-2025 - Min. $10K)
				6.00%
				
				78 Mos. (New Only - Min. $15K)
				6.50%
				
				84 Mos. (New Only - Min. $15K)
				7.00%
				
                Boats / Jet Skis / Motorcycles / ATVs
            
                48 Months
                5.50%
                
                60 Months
                5.75%
                
                72 Months, $15,000+
                6.75%
                
				84 Months, $20,000+
				6.75%
				
                120 Months, $25,000+
                7.25%
                
                New Motor Homes / RVs
            
                7 Years (84 Months)
                5.50%
                
                10 Years (120 Months), $20,000-29,999
                6.50%
                
                12 Years (144 Months), $30,000+
                7.50%
                
                Used Motor Homes / RVs
            
                6 Years (72 Months)
                6.50%
                
                10 Years (120 Months), $20,000-29,999
                7.75%
                
                12 Years (144 Months), $30,000+
                9.00%
                
                Motorized Farm Equipment
            
                48 Months
                7.25%
                
                60 Months, $15,000+
                8.25%
                
                Signature / MasterCard
            
                Signature
                11.75%
                
                2nd Chance Loans
                N/A
                N/A
              	15.00%
              	17.00%
              	18.00%
              	18.00%
            
                MasterCard
                11.75%
                
                Platinum MasterCard
                11.75%
                
                Miscellaneous
            
                Titled, Up to 60 Months
                8.25%
                
                Untitled, Up to 60 Months
                9.25%

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Rates quoted are the lowest available, based on individual credit score.