Consumer Loans Rate
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Yes, it’s true. Providing wallet-friendly loans is what we do best. Check out our current rates and see for yourself—we make it affordable to secure the financing you need.
Rates effective January 1, 2019
New/Used Auto 2013-2019 (up to 10,000 miles)
New/Used Auto
2013-2019 |
APPROX. TERM |
APR |
| |
24-60 months |
3.950% - 16.250% |
| $12,500 and over |
72 months |
4.500% - 12.750% |
| $25,000 and over |
84 months |
5.250% - 9.250% |
New/Used Motorcycle 2013-2019
New/Used Motorcycle
2013-2019 |
APPROX. TERM |
APR |
| |
24-60 months |
3.950% - 16.250% |
| $12,500 and over |
72 months |
4.500% - 12.750% |
| $25,000 and over |
84 months |
5.250% - 9.250% |
2012 & Older Vehicles/Motorcycles
| 2012 & Older Vehicles/Motorcycles |
APPROX. TERM |
APR |
| |
24-60 months |
5.950% - 18.000% |
New/Used RV Never Title/Previously Titled
New/Used RV
Never Title/Previously Titled |
APPROX. TERM |
APR |
|
12-60 months |
5.540% - 12.840% |
| $20,000 & over |
84 months |
6.040% - 13.340% |
$20,000 & over
|
120 months |
6.540% - 13.840% |
| $20,000 & over |
180 months |
7.040% - 14.340% |
| $50,000 & over |
240 months |
7.540% - 8.840% |
New/Used Boat Never Title/Previously Titled
New/Used Boat
Never Title/Previously Titled |
APPROX. TERM |
APR |
|
12-60 months |
7.290% - 14.590% |
| $20,000 & over |
84 months |
7.790% - 15.090% |
| $20,000 & over |
120 months |
8.290% - 15.590% |
| $20,000 & over |
180 months |
8.790% - 16.090% |
| $50,000 & over |
240 months |
9.290% - 10.590% |
Line of Credit
| Line of Credit |
APPROX. TERM |
APR |
| |
Revolving |
9.990% - 17.990% |
Credit Cards
| Credit Cards |
APPROX. TERM |
APR |
| |
Revolving |
7.990% - 17.990% |
Signature
| Signature |
APPROX. TERM |
APR |
| |
60 months |
9.490% - 17.490% |
| Add 0.75% for Debt Consolidation |
|
10.240% - 18.000% |
Share/Certificate Secured
| Share/Certificate Secured | APPROX. TERM | APR |
Share Secured (100% of share balance)
| 60 months | 3.5% above dividend |
| Certificate Secured (90% of cert balance) | 12 months | 3.5% above dividend |
| Credit Builder | 36 months | 3.5% above dividend |
emPowerSBC Energy Efficient Loan
| emPowerSBC Energy Efficient Loan | APPROX. TERM | APR |
| $1,000 to $5,000 | 60 months | 8.490% - 15.990% |
| $5,001 to $30,000 | 180 months | 5.900% - 14.490% |
APR = Annual Percentage Rate.
Certificate Secured: The Annual Percentage Rate (APR) for Certificate secured advances will be the dividend rate being paid on the Certificate (Index) offered as security plus 3.5%. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid
Rates are subject to change without notice.