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Savings and Loan Rates


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New Car / Motorcycle / ATV Loans
Amount Financed Either 100% of NADA retail value, or the purchase price - whichever is lower.
Payback 36 months 48 months 60 months 72 months 84 months
Finance Rate 2.99% 3.24% 3.49% 3.99% 4.74%
Car loans can be re-financed at current new car rates within 3 months of original loan.
Pre-Approval: New car loans can be pre-approved for up to 90 days.


Used Car / Motorcycle / ATV Loans (1 - 2 years old)
Amount Financed Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.
Model Year 2018 - 2019 2018 - 2019 2018 - 2019 2018 - 2019 2018 - 2019
Payback 36 months 48 months 60 months 72 months 84 months
Finance Rate 3.24% 3.49% 3.74% 3.99% 4.99%


Used Car / Motorcycle / ATV Loans (3 - 6 years old)
Amount Financed Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.
Model Year 2014 - 2017 2014 - 2017 2014 - 2017
Payback 36 months 48 months 60 months
Finance Rate 3.99% 4.25% 4.49%
Older than 6 years will be at personal loan rate/terms.


Camping Trailer / Tractor / Boat Loan
Amount Financed New 100% of sales order New 100% of appraisal
Payback 10 years 7 years (must be a minimum $1,000/year)
Finance Rate 7.75% 8.00%
Older than 2010 will be at personal loan rate/terms.


Second Mortgage Loans
Amount Financed: 80% of Appraisal minus current mortgage balance equals equity.
Payback 15 years (minimum of $10,000) 60 months 84 months 120 months 180 months
Finance Rate - 2.74% 2.99% 3.49% 3.75%
Personal Loans
Max Amount $12,500
Payback 24 months 36 months 48 months 60 months 72 months
Finance Rate 7.50% 7.75% 8.00% 8.50% 9.50%


Holiday Loans
Max Amount $2,500
Term 12 months
APR 6.99%


Education Loans
k – 12 Grades only NO Post-secondary educational institutions allowed. Checks made payable to school.
Payback 12 months
Finance Rate 4.99%
Share Secured Loans
Must be 100% Share Secured at an interest rate of 5.0%. Maximum payback is 84 months or less.