Loan Rates
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Effective Date: July 23, 2025
All rates are subject to change.
| Account Description | Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
|---|---|---|---|
| – | – | – | – |
| New Vehicles 2025-2026 | 36 to 72 Months 84 month financing limitations | .013698 to .030137 | 5.00% to 11.00% |
| Used Vehicles 2021-2025 | 60 Months | .015753 to .032192 | 5.75% to 11.75% |
| 2019-2020 | 54 Months | .018493 to .034932 | 6.75% to 12.75% |
| 2015-2018 | 36 Months | .018493 to .034932 | 6.75% to 12.75% |
| New Recreational Vehicles | 96 Months | 020548 to .036986 | 7.50% to 13.50% |
| 120 Months | 020548 to .036986 | 7.50% to 13.50% | |
| Used Recreational Vehicles | 84 Months | .022603 to .039041 | 8.25% to 14.25% |
| Farm Equipment | 120 Months | .014110 to .030548 | 5.15% to 11.15% |
| Share Secured | 36 Months | .0008220 | 3.00% |
| TSC Secured (advance is due when TSC matures) | – | – | 2.00% over TSC rate |
| Personal | 12 to 36 Months | .027397 to .043835 | 10.00% to 16.00% |
| Debt Consolidation | 48 Months | .024657 to .041096 | 9.00% to 15.00% |
* Term & Rate are available with conditional financing limits and guidelines.
Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement to the amount permitted by state law.
Late Charges: If your loan payment is received and applied to your loan 10 or more calendar days after your payment is due, you will be required to pay a late charge fee of 5% of your payment due not to exceed $20.00.