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 CONSUMER LOAN  RATES •  EFFECTIVE: JULY 29, 2021

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APR 
Maximum
Term
Loan to
Value Ratio
Secured Financing


Autos, Light Trucks, Boats, RVs, Personal Watercraft,
Snowmobiles, Motorcycles, Trailers, and ATVs



2021 - 2019 model years 2.790%
48 months ≤100%

2.990%
60 months ≤100%

3.490% 72 months ≤100%
2018 - 2014 model years 3.790% 48 months ≤100%

4.490% 60 months ≤100%
2013 - 2011 model years 4.790% 36 months ≤100%
Extended terms for Boats and RVs


2021 - 2019 model years 5.790% 120 months 80%
2018 - 2014 model years 6.290% 72 months 75%
Untitled Collateral



UCC Financing Statement 9.990% 24 months 75%
Unsecured Financing
We are not currently quoting unsecured financing loan rates.
  • 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 NADA Guides 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.