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All Rates

All Rates Effective: 1/1/2019

  • Loans

    Loans

    Loan Type Rate/APR Minimum Down Terms
    Share Secured Loan 3% above Share rate up to 72 months
    Certificate Secured Loan 3% above Certificate rate
    APR Loan Amount Terms in Months
    8.0% * Up to $25,000 Up to 36 months
    Credit Tier* Up to 48 Mo. Up to 60 Mo. Up to 72 Mo. Down Payment Max Loan to Value (LTV)
    Platinum 3.99% 4.24% 4.49% 0% Down 125% NADA RETAIL or Purchase Price whichever is lower
    Gold 4.24% 4.49% 4.74% 0% Down 125% NADA RETAIL or Purchase Price whichever is lower
    A Paper 4.99% 5.24% 5.49% 0% Down 125% NADA RETAIL or Purchase Price whichever is lower
    B Paper 6.99% 7.24% 7.49% 0% Down 125% NADA RETAIL or Purchase Price whichever is lower
    C Paper 10.99% 11.24% 11.49% 10% Down 125% NADA RETAIL or Purchase Price whichever is lower
    D Paper 14.99% 15.24% 15.49% 10% Down 125% NADA RETAIL or Purchase Price whichever is lower

    *Credit Tier determined by Equifax Credit Score
    **Rates include .25% Premier Member Discount.

    Values Terms
    $30,000 OR MORE UP TO 84 MONTHS**
    $20,000 OR MORE UP TO 72 MONTHS
    $10,000 OR MORE UP TO 60 MONTHS
    $5000 to $9999 UP TO 48 MONTHS
    LESS THAN $5000 UP TO 36 MONTHS

    **84 Months Same as 72 Month Rate

    Credit Tier*
    48 Months or Less 60 Months 72 Months Up to 84 Months Up to120 Months Down Pmt Req
    Platinum 4.99% 5.24% 5.49% 5.74% 5.99% 0% Down
    Gold 5.24% 5.49% 5.74% 5.99% 6.24% 0% Down
    A Paper 5.99% 6.24% 6.49% 6.74% 6.99% 0% Down
    B Paper 7.99% 8.24% 8.49% 8.74% 8.99% 0% Down
    C Paper 11.99% 12.24% 12.49% 12.74% 12.99% 10% Down
    D Paper 15.99% 16.24% 16.49% 16.74% 16.99% 10% Down

    * Tier determined by Equifax credit score
    **Rates include .25% Premier Member Discount.

    Platinum*
    36 Months or Less
    60 Months
    Down Payment Required
    Over $5000 financed 4.99% 5.49% 0% Down Payment
    Up to $5000 financed 5.25% 0% Down Payment
    Gold*
    36 Months or Less
    60 Months
    Down Payment Required
    Over $5000 financed 5.24% 5.74% 0% Down Payment
    Up to $5000 financed 5.50% 0% Down Payment
    A paper*
    36 Months or Less
    60 Months
    Down Payment Required
    Over $5000 financed 5.99% 6.49% 20% Down Payment
    Up to $5000 financed 5.75% 20% Down Payment
    B Paper*
    36 Months or Less
    60 Months
    Down Payment Required
    Over $5000 financed 7.99% 8.49% 20% Down Payment
    Up to $5000 financed 8.25% 20% Down Payment
    C paper*
    36 Months or Less
    60 Months
    Down Payment Required
    Over $5000 financed 11.99% 12.49% 20% Down Payment
    Up to $5000 financed 12.25% 20% Down Payment
    D paper*
    36 Months or Less
    60 Months
    Down Payment Required
    Over $5000 financed 15.99% 16.49% 20% Down Payment
    Up to $5000 financed 16.25% 20% Down Payment

    Full Coverage Insurance Required on ALL

    *rates include .25% Premier Member Discount

    **All Loan Special Rates include .25% Premier Member Discount.

    Loan Type Rate/APR Terms
    TimeLine Loans 9.50% - 16.50% up to 72 months
    Signature Loans 9.50% - 16.50%

    *Rate includes .25% Premier Member Discount. Maximum loan amount varies based on income and credit tier.

    LOANS $35,001-$50,000 Additional 10% Down
    LOANS $50,001-$75,000 Additional 20% Down
    LOANS OVER $75,000 Additional 30% Down
  • Accounts

    Checking Type Rate / APY* Minimum Balance Fee if below Minimum Balance
    Premium Checking 0.05% / 0.05% $1500.00 $5.50
    Econo Checking N/A $200.00 $2.00
    Business 550 N/A $5.50
    Business 200 N/A $2.00
    *Annual Percentage Yield
    Savings Type Rate / APY* Minimum Balance
    Available Asset Account 0.05% / 0.05% - 0.20% / 0.20% (Tiered) $100.00
    Christmas Club Account 0.05% / 0.05% $5.00
    Vacation Club Account 0.05% / 0.05% $5.00
    Regular Shares 0.05% / 0.05% $25.00
    *Annual Percentage Yield
  • Certificates

    $500.00 - $9,999.99
    Dividend Rate APY*
    6 Months 0.15% 0.15%
    12 Months 0.25% 0.25%
    24 Months 0.50% 0.50%
    36 Months 0.75% 0.75%
    48 Months 1.00% 1.00%
    60 Months 1.25% 1.26%
    $10,000.00 - $24,999.99
    6 Months 0.25% 0.25%
    12 Months 0.50% 0.50%
    24 Months 0.75% 0.75%
    36 Months 1.00% 1.00%
    48 Months 1.50% 1.51%
    60 Months 2.00% 2.02%
    $25,000.00 - $99,999.99
    6 Months 0.35% 0.35%
    12 Months 0.60% 0.60%
    24 Months 1.00% 1.00%
    36 Months 1.25% 1.26%
    48 Months 1.75% 1.76%
    60 Months 2.25% 2.27%
    $100,000 Plus
    6 Months 0.50% 0.50%
    12 Months 0.75% 0.75%
    24 Months 1.25% 1.26%
    36 Months 1.50% 1.51%
    48 Months 2.00% 2.02%
    60 Months 2.50% 2.52%
    *Annual Percentage Yield Rates Effective: 1/1/2019
    Duration Minimum to Open Dividend Rate APY*
    18 Mo. - $25/mo. Installment $100.00 0.15% 0.15%
    18 Mo. - $50/mo. Installment $200.00 0.25% 0.25%
    18 Mo. - $100/mo. Installment $400.00 0.35% 0.35%
    *Annual Percentage Yield Rates Effective: 1/1/2019
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