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