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Loan Rates

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Table data for Personal Auto Loans (Fixed Rates)
 Rates Effective 01/04/2019
Term Minimum Loan Amount APR As Low As1 Alert Me
2017 - 2019 model years (purchases and refinances)2 up to 48 Mo. $1,000 3.65% Receive a notification when this rate changes
63 Mo. $10,000 3.75% Receive a notification when this rate changes
75 Mo. $15,000 3.90% Receive a notification when this rate changes
84 Mo.3 $30,000 5.05% Receive a notification when this rate changes
2016 model year (purchases and refinances)4 up to 48 Mo. $1,000 3.90% Receive a notification when this rate changes
63 Mo. $10,000 4.10% Receive a notification when this rate changes
75 Mo. $15,000.00 4.55% Receive a notification when this rate changes
2015 model year (purchases and refinances)4 up to 48 Mo. $1,000 4.10% Receive a notification when this rate changes
63 Mo. $10,000 4.20% Receive a notification when this rate changes
75 Mo. $15,000.00 4.65% Receive a notification when this rate changes
2014 model year (purchases and refinances)4 up to 48 Mo. $1,000 4.30% Receive a notification when this rate changes
63 Mo. $10,000.00 4.45% Receive a notification when this rate changes
75 Mo. $15,000.00 4.75% Receive a notification when this rate changes
2013 model year (purchases and refinances)4 up to 48 Mo. $1,000 4.45% Receive a notification when this rate changes
63 Mo. $10,000 4.65% Receive a notification when this rate changes
75 Mo. $15,000.00 4.90% Receive a notification when this rate changes
2012 model year (purchases and refinances)4 up to 48 Mo. $1,000 4.70% Receive a notification when this rate changes
63 Mo. $10,000 5.00% Receive a notification when this rate changes
2011 model year (purchases and refinances4 up to 48 Mo. $1,000.00 4.90% Receive a notification when this rate changes
up to 63 Mo. $10,000 5.10% Receive a notification when this rate changes
  • 1APR = Annual Percentage Rate. "As Low As" rates listed are our best rates based on approved credit. Actual interest rate offered may be higher depending on applicant's credit rating and other underwriting factors. Rates for Visa, Share-Secured and Certificate-Secured loans are as stated.↵
  • 2Up to 125% financing on new vehicles. Financing based on credit worthiness.↵
  • 384 month option requires a minimum amount financed of $30,000 and a Beacon Score of 700+ for all borrowers on the loan.↵
  • 4Financing up to NADA retail value. Financing based on credit worthiness.↵

Table data for Boats & RVs (Fixed Rate)
 Rates Effective 03/01/2016
Term APR As Low As1 Alert Me
up to 144 Mo. depending on financed amount 4.75% Receive a notification when this rate changes
  • 1APR = Annual Percentage Rate. "As Low As" rates listed are our best rates based on approved credit. Actual interest rate offered may be higher depending on applicant's credit rating and other underwriting factors. Rates for Visa, Share-Secured and Certificate-Secured loans are as stated.↵

Table data for Motorcycle (Fixed Rate)
 Rates Effective 03/01/2016
Term APR As Low As1 Alert Me
up to 60 Mo. depending on amount financed 4.75% Receive a notification when this rate changes
  • 1APR = Annual Percentage Rate. "As Low As" rates listed are our best rates based on approved credit. Actual interest rate offered may be higher depending on applicant's credit rating and other underwriting factors. Rates for Visa, Share-Secured and Certificate-Secured loans are as stated.↵

Table data for Personal Credit Cards (Variable Rate)
 Rates Effective 12/27/2018
APR Cash Advance Fees Late Payment Fees Alert Me
Visa Platinum 14.46% $3.00 or 3% whichever is greater, not to exceed $30.00 up to $35 Receive a notification when this rate changes
14.46% on cash advances Receive a notification when this rate changes
3.99% on purchases and balance transfers made during first 180 days; rate effective first 12 months card is open1 Receive a notification when this rate changes
The Achiever 18.00% $3.00 or 3% whichever is greater, not to exceed $30.00 up to $35 Receive a notification when this rate changes
APR = Annual Percentage Rate.
Variable Rate Information for Platinum: Purchases and Cash Advances-APR may vary. The rate is determined by the preceding four-week average of the 26-week Treasury Bill rate, plus up to twelve percentage points.
Variable Rate Information for Achiever: Purchases and Cash Advances - APR may vary. The rate is determined by the preceding four - week average of the 26-week Treasury Bill rate, plus up to eighteen percentage points.
Grace Period: You have 25 days after the close of a billing cycle to repay your balance for purchases before a finance charge on purchases will be imposed.
Method of Computing the Balance for Purchases: Average daily balance (including new purchases).
Minimum Monthly Payment for all credit cards: 2%, minimum $10
Minimum Approved Credit Line for Platinum Cards: $2,500
Maximum Approved Credit Line for Platinum Cards: $25,000
Minimum Approved Credit Line for The Achiever Cards: $500
Maximum Approved Credit Line for The Achiever Cards: $3,500
  • 1The Introductory Annual Percentage Rate (APR) applies only to purchases and balance transfers made on new Visa Platinum accounts during the first 180 days. After the initial 180 days, our Standard APR applies for any purchases and or balance transfers. The Introductory APR will continue to apply to the qualified transactions until your credit card account has been opened for 12 months or the balance is paid. Any remaining balance will roll into the Standard APR.↵

Table data for Personal Line of Credit (Variable Rate)
 Rates Effective 01/01/2019
Minimum Loan Amount APR As Low As1 Alert Me
$1,000 - $25,000 10.49%(0.0287) Daily Index =.05 Receive a notification when this rate changes
  • 1APR = Annual Percentage Rate. "As Low As" rates listed are our best rates based on approved credit. Actual interest rate offered may be higher depending on applicant's credit rating and other underwriting factors. Rates for Visa, Share-Secured and Certificate-Secured loans are as stated.↵

Table data for Share Loan (Variable Rate)
 Rates Effective 01/01/2018
Term APR As Low As1 Alert Me
36 Mo. 2.145% Receive a notification when this rate changes
  • 1APR = Annual Percentage Rate. "As Low As" rates listed are our best rates based on approved credit. Actual interest rate offered may be higher depending on applicant's credit rating and other underwriting factors. Rates for Visa, Share-Secured and Certificate-Secured loans are as stated.↵

Table data for Signature Loan (Fixed Rate)
 Rates Effective 02/07/2018
Term Loan Amount APR As Low As1 Alert Me
36 Mo. Up to $4,999 8.00% Receive a notification when this rate changes
48 Mo. $5,000-$9,999 8.50% Receive a notification when this rate changes
60 Mo. $10,000-$30,000 9.00% Receive a notification when this rate changes
  • 1APR = Annual Percentage Rate. "As Low As" rates listed are our best rates based on approved credit. Actual interest rate offered may be higher depending on applicant's credit rating and other underwriting factors. Rates for Visa, Share-Secured and Certificate-Secured loans are as stated.↵

Table data for Business Credit Card
 Rates Effective 12/27/18
APR1 Cash Advance Fees Late Payment Fees Alert Me
Business Platinum 14.46% $3.00 or 3% whichever is greater, not to exceed $30.00 $35 Receive a notification when this rate changes
(14.46% on cash advances) Receive a notification when this rate changes
3.99% on purchases and balance transfers made during first 180 days; rate effective first 12 months card is open2 Receive a notification when this rate changes
  • 1APR = Annual Percentage Rate.
    Variable Rate Information for Platinum: Purchases and Cash Advances - APR may vary. The rate is determined by the preceding four-week average of the 26-week Treasury Bill rate, plus up to twelve percentage points.
    Grace Period: You have 25 days after the close of a billing cycle to repay your balance for purchases before a finance charge on purchases will be imposed.
    Method of Computing the Balance for Purchases: Average daily balance (including new purchases).
    Minimum Monthly Payment for all credit cards: 2%, minimum $10↵
  • 2The Introductory Annual Percentage Rate (APR) applies only to purchases and balance transfers made on new Visa Platinum accounts during the first 180 days. After the initial 180 days, our Standard APR applies for any purchases and or balance transfers. The Introductory APR will continue to apply to the qualified transactions until your credit card account has been opened for 12 months or the balance is paid. Any remaining balance will roll into the Standard APR.↵

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