Loan Rates
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Effective Date: February 22, 2023.
All rates are subject to change.
| Account Description | Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
|---|---|---|---|
| – | – | – | – |
| New Vehicles 2022-2023 | 36 to 72 Months | 0.011643 to 0.028082 | 4.25% to 10.25% |
| Used Vehicles 2020-2023 | 54 Months | 0.013698 to 0.030136 | 5.00% to 11.00% |
| 2018-2019 | 42 Months | 0.013698 to 0.030136 | 5.00% to 11.00% |
| 2016-2017 | 36 Months | 0.016438 to 0.032876 | 6.00% to 12.00% |
| 2014-2015 | 30 Months | 0.016438 to 0.032876 | 6.00% to 12.00% |
| 2012-2013 | 24 Months | 0.016438 to 0.032876 | 6.00% to 12.00% |
| New Recreational Vehicles | 96 Months | 0.016438 to 0.032876 | 6.00% to 12.00% |
| 120 Months | 0.016438 to 0.032876 | 6.00% to 12.00% | |
| Used Recreational Vehicles | 84 Months | 0.018493 to 0.034931 | 6.75% to 12.75% |
| Farm Equipment | Check with Credit Union | 0.013699 to 0.041096 | 5.00% to 11.00% |
| 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 | 0.024657 to 0.041095 | 9.00% to 15.00% |
| Debt Consolidation | 48 Months | 0.021917 to 0.038356 | 8.00% to 14.00% |
* 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.