Loan Rates
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Effective Date: December 24, 2024.
All rates are subject to change.
| Account Description | Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
|---|---|---|---|
| – | – | – | – |
| New Vehicles 2024-2025 | 36 to 72 Months | 0.015068 to 0.031506 | 5.50% to 11.50% |
| Used Vehicles 2020-2024 | 60 Months | 0.017123 to 0.034245 | 6.25% to 12.25% |
| 2018-2019 | 54 Months | 0.019863 to 0.036301 | 7.25% to 13.25% |
| 2014-2017 | 36 Months | 0.019863 to 0.036301 | 7.25% to 13.25% |
| New Recreational Vehicles | 96 Months | 0.018493 to 0.034932 | 7.40% to 13.40% |
| 120 Months | 0.018493 to 0.034932 | 7.40% to 13.40% | |
| Used Recreational Vehicles | 84 Months | 0.020547 to 0.036986 | 8.15% to 14.15% |
| Farm Equipment | 120 Months | 0.015479 to 0.031918 | 5.65% to 11.65% |
| Share Secured | 36 Months | 0.0008220 | 3.00% |
| TSC Secured (advance is due when TSC matures) | – | – | 2.00% over TSC rate |
| Personal | 12 to 36 Months | 0.027397 to 0.043835 | 10.00% to 16.00% |
| Debt Consolidation | 48 Months | 0.024657 to 0.041096 | 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.