Rates

Please contact a loan officer for rate details! You can save hundreds by paying weekly or bi-weekly!

Your effective rate may be much lower if you take advantage of our partial payment options!

Unlike the big banks, we allow this service for free and with payment flexibility!

No-cost closings: no doc, origination, service, processing, or prep fees!

No sales goals. Loan decisions are made locally!

Consumer Loan Rates

Effective: January 28, 2025

Autos, Light Trucks, Boats, RVs, Personal Watercraft, Snowmobiles, Motorcycles, Trailers, and ATVs	APR	Maximum Term	Loan to Value Ratio
2025 - 2023 model years	5.790%	48 months	≤100%
2025 - 2023 model years	5.990%	60 months	≤100%
2025 - 2023 model years	6.290%	72 months	≤100%
2022 - 2018 model years	6.490%	48 months	≤100%
2022 - 2018 model years	6.990%	60 months	≤100%
2017 - 2015 model years	7.590%	36 months	≤100%

Extended terms for Boats and RVs	APR	Maximum Term	Loan to Value Ratio
2025 - 2023 model years	7.040%	120 months	80%
2022 - 2018 model years	7.590%	72 months	75%

Untitled Collateral	APR	Maximum Term	Loan to Value Ratio
UCC Financing Statement	12.990%	24 months	75%

We are not currently quoting unsecured financing loan rates.

Disclaimers

All advertised rates are subject to credit approval. Your rate may vary based on credit score. Credit scores less than 670 may result in a 0.75% rate adjustment.
Loan to value ratios are based upon retail price and/or the J.D. Power Pricing & Values. Subject to credit approval.
Older model years than those listed are subject to consideration and a 2% rate adjustment.
Commercial-use collateral is subject to consideration and a 1% rate adjustment.
A ¼% rate reduction is available with automatic payment from a First Federal deposit account.
Full-coverage insurance is required for the financing of all collateral.

CONSUMER Loans