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 0.50% discount when using direct deposit.

Effective Date 7/1/2018

Loan Type Rate APR*
Automobile (New & Used)
Up To 60 Months (2008-2018) 3.25% 3.50% 5.00% 8.25% 11.50% 13.50%
66 Mos. (2015-2018 - Min. $10K) 3.35% 3.60% 5.10% 8.35% 12.00% 14.00%
72 Mos. (2016-2018 - Min. $10K) 3.75% 4.00% 5.50% 8.75% 12.50% 14.50%
78 Mos. (New Only - Min. $15K) 4.25% 4.50% 6.00% 9.25% 13.50% 15.50%
84 Mos. (New Only - Min. $15K) 4.75% 5.00% 6.50% 9.75% 14.00% 16.00%
Boats / Jet Skis / Motorcycles / ATVs
48 Months 3.50% 4.00% 4.75% 6.00% 10.50% 11.50%
60 Months 3.75% 4.25% 5.50% 6.50% 11.50% 12.50%
72 Months, $15,000+ 4.25% 4.75% 5.75% 6.50% 12.50% 13.50%
84 Months, $20,000+ 4.75% 5.75% 6.25% 7.50% 13.50% 14.50%
120 Months, $25,000+ 5.00% 6.00% 6.50% 7.75% 14.50% 15.50%
New Motor Homes / RVs
7 Years (84 Months) 4.00% 4.50% 4.90% 6.25% 13.00% 13.50%
10 Years (120 Months), $20,000-29,999 5.00% 5.50% 6.90% 7.75% 13.50% 14.00%
12 Years (144 Months), $30,000+ 6.00% 6.50% 7.90% 9.00% 12.00% 14.50%
Used Motor Homes / RVs
6 Years (72 Months) 5.00% 5.50% 6.50% 8.50% 13.00% 13.50%
10 Years (120 Months), $20,000-29,999 6.50% 7.00% 8.00% 10.00% 13.50% 14.00%
12 Years (144 Months), $30,000+ 7.50% 8.00% 9.00% 11.00% 14.00% 14.50%
Motorized Farm Equipment
48 Months 5.50% 6.00% 7.00% 9.00% 12.50% 14.00%
60 Months, $15,000+ 6.50% 7.00% 8.00% 10.00% 13.50% 15.00%
Signature / MasterCard
Signature 8.95% 9.45% 10.70% 14.20% 15.70% 16.95%
2nd Chance Loans N/A N/A 13.50% 16.50% 18.00% 18.00%
MasterCard 9.25% 10.25% 11.00% 14.50% 16.00% 17.25%
Platinum MasterCard 8.95% 9.95% 10.70% 14.20% 15.70% 16.95%
Miscellaneous
Titled, Up to 60 Months 7.00% 7.50% 8.50% 10.50% 13.00% 14.50%
Untitled, Up to 60 Months 8.40% 8.90% 9.90% 12.90% 14.00% 15.50%
Rates quoted are the lowest available, based on individual credit score.