Loan Rates


Effective: September 18, 2017. Rates subject to change without notice.

New Vehicle Loans – 2016 and Newer

Tier Score Up to 36 Months APR* 37-48 Months APR* 49-63 Months APR* 64-75 Months APR* 76-84 Months APR* LTV
A++ 750+ 3.10% 3.10% 3.10% 3.60% 3.99% 130%
A+ 725-749 3.45% 3.45% 3.45% 3.95% 4.20% 125%
A 679-724 4.10% 4.10% 4.10% 4.55% 4.99% 125%
B 639-678 5.85% 5.85% 5.85% 6.75% 7.25% 115%
C 620-638 8.35% 8.35% 8.35% 9.50% N/A 100%
Sub Prime <620 17.99% 17.99% 17.99% N/A N/A 90%

Minimum amount financed for 84 months is $20,000.

New Vehicles: Maximum advance based on MSRP.

Antique, classic or high-end vehicles will be subject to case by case approval.

Maximum loan amount may be affected according to market conditions. Rates subject to change without notice.

We do not accept salvaged titles or business purpose loans.

Vehicles with 100k miles or more are subject to a 0.50% rate increase.

Hail damaged units are ineligible for financing (EFD 04/18/2011)

*Annual Percentage Rate

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Used Vehicle Loans – 2015 and Older

(not to exceed 10 model years; i.e. 2008)

Tier Score Up to 36 Months APR* 37-48 Months APR* 49-63 Months APR* 64-75 Months APR* 76-84 Months APR* LTV
A++ 750+ 3.50% 3.50% 3.50% 3.90% 4.25% 130%
A+ 725-749 4.10% 4.10% 4.10% 4.50% 4.99% 125%
A 679-724 5.10% 5.10% 5.10% 5.50% 5.99% 125%
B 639-678 6.10% 6.10% 6.10% 7.75% 8.50% 115%
C 620-638 9.19% 9.19% 9.19% 9.80% N/A 100%
Sub Prime <620 17.99% 17.99% 17.99% N/A N/A 90%

Minimum amount financed for 84 months is $20,000.

New Vehicles: Maximum advance based on MSRP.

Antique, classic or high-end vehicles will be subject to case by case approval.

Maximum loan amount may be affected according to market conditions. Rates subject to change without notice.

We do not accept salvaged titles or business purpose loans.

Vehicles with 100k miles or more are subject to a 0.50% rate increase.

Hail damaged units are ineligible for financing (EFD 04/18/2011)

*Annual Percentage Rate

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Motorcycle/ ATV Loans – New

Tier Score 24 Month APR* 36 Month APR* 48 Month APR* 60 Month APR* 72 Month APR* Max Advance
A+ 725+ 2.99% 2.99% 3.99% 3.99% 4.50% 120%
A 679-724 3.99% 3.99% 3.99% 3.99% 4.50% 115%
B 639-678 4.99% 4.99% 4.99% 4.99% 4.99% 105%

New Motorcycles: Max advance based on MSRP.

If there’s no value MSRP or KBB we will not finance it.
We do not accept salvaged titles or business purpose loans.

*Annual Percentage Rate

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Motorcycle/ ATV Loans – Used

Tier Score 24Month APR* 36Month APR* 48Month APR* 60Month APR* 72Month APR* Max Advance
A+ 725+ 3.99% 3.99% 3.99% 3.99% 4.50% 120%
A 679-724 3.99% 3.99% 3.99% 3.99% 4.50% 115%
B 639-678 4.99% 4.99% 4.99% 4.99% 4.99% 105%

Used Motorcyles: Max advance based on suggested Retail per Kelley Blue Book.
If there’s no value MSRP or KBB we will not finance it.
We do not accept salvaged titles or business purpose loans.

*Annual Percentage Rate

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Boat and Boat Packages – New/Used

Score Up to 60 Months APR* 72Month APR* Max Advance
725+ 5.90% 6.90% 90%
679-724 6.90% 7.90% 85%
639-678 7.90% 8.90% 80%

*Annual Percentage Rate

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Towables and Motor Homes – New/Used (no older than 2008)

Tier Up to 72 Months APR* 84 Month APR* Up to 180 Months APR* Max Advance New / Used
A+ 5.49% 5.49% 6.49% 120%/120%/115%
A 5.49% 5.49% 6.49% 120%/120%/115%
B 5.49% 5.49% 6.49% 120%/120%/115%

*Annual Percentage Rate

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Jet Skis, Snowmobiles – Up to 60 Months

Score New APR* Used APR* Max Advance
725+ 7.99% 9.99% 90%
679-724 8.99% 10.99% 85%
639-678 10.99% 11.99% 80%

*Annual Percentage Rate

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Trailers (Boat, Horse, Utility, etc.) – Up to 48 Months

Score New APR* Used APR*
725+ 6.90% 7.90%
679-724 7.90% 8.90%
639-678 8.90% 9.90%

*Annual Percentage Rate

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Construction Loans

Description Annual Percentage Rate (APR)
9 Month, fixed-rate, Construction Loans Call or E-mail for quote

Call our Mortgage Loan Officer at 459-1860 for more details.

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Other Real Estate Loans

Description Annual Percentage Rate (APR)
10, 15 and 30 year, closed-end, fixed-rate, 1st Mortgage Call or E-mail for quote

Call our Mortgage Loan Officer at 459-1860 for more details.

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Home Equity Loans

Description Annual Percentage Rate (APR)
Up to 85% LTV, Home Equity Loan, From 7 to 15 years, closed-end, fixed-rate. Call or E-mail for quote
Up to 85% LTV, Home Equity Loan. Up to 7 years, closed-end, fixed-rate. Call or E-mail for quote

Call our Mortgage Loan Officer at 459-1860 for more details.

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Home Equity Line of Credit (HELOC) Open-End Loan

Description Annual Percentage Rate (APR)
Up to 90% LTV Call or E-mail for quote

Call our Mortgage Loan Officer at 459-1860 for more details.

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Signature Loans

Score 12 Month APR* 24 Month APR* 36 Month APR*
760> Score Max $20,000 3.90% 4.90% 5.90%
720-759 Score Max $15,000 3.90% 4.90% 5.90%
680-719 Score Max $10,000 4.90% 5.90% 6.90%
640-679 Score Max $5,000 5.90% 6.90% 7.90%

Contact a Member Service Representative at any of our locations for details.

*Annual Percentage Rate

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Share Secured Loan

Description Annual Percentage Rate (APR)
Share Secured Loan 2.50% over last declared dividend rate
TSC Secured Loan 2.50% over last declared dividend rate

IRA’s and IRA Certificates cannot be used as collateral.

Contact a Member Service Representative at any of our locations for details.

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Line of Credit / Overdraft Protection

Score Annual Percentage Rate (APR)
760> Score Max $20,000 7.90%
720-759 Score Max $15,000 7.90%
680-719 Score Max $10,000 8.90%
640-679 Score Max $5,000 9.90%

Contact a Member Service Representative at any of our locations for details.

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