Loan Rates

 

New Vehicle Loans – 2013 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+ 1.79% 1.99% 2.99% 2.99% 4.25% 130%
A+ 725-749 2.49% 2.99% 3.49% 3.99% 4.99% 125%
A 679-724 2.49% 2.99% 3.49% 3.99% 4.99% 125%
B 639-678 4.99% 4.99% 4.99% 5.49% 6.49% 115%
C 600-638 8.75% 8.75% 9.00% 9.50% 10.50% 110%
D 550-599 12.25% 12.25% 13.75% 14.75% N/A 105%

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

New Vehicles: Maximum advance based on MSRP.

Maximum loan amount on Daewoo vehicles is 50% of Kelly Retail or 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 0.25% rate increase.

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

*Annual Percentage Rate

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Used Vehicle Loans – 2012 and Older

(not to exceed 14 model years)

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+ 2.49% 2.99% 3.49% 3.99% 4.99% 130%
A+ 725-749 2.49% 2.99% 3.49% 3.99% 4.99% 125%
A 679-724 2.49% 2.99% 3.49% 3.99% 4.99% 125%
B 639-678 5.49% 5.49% 5.49% 5.99% 6.99% 115%
C 600-638 8.75% 8.75% 9.49% 9.99% 10.75% 110%
D 550-599 13.25% 13.25% 14.50% 15.50 N/A 105%

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

New Vehicles: Maximum advance based on MSRP.

Maximum loan amount on Daewoo vehicles is 50% of Kelly Retail or 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 0.25% rate increase.

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

*Annual Percentage Rate

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Motorcycle 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.                                                                                                       
Call for 84 months.  The minimum to be considered for 84 months is $25,000.
Includes Scooters, Touring, Cruisers and Dual-Sport Bikes.
No Street Sport or Moto Cross Bikes.
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 Loans – Used (not to exceed 6 model years)

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.                                                       
Call for 84 months.  The minimum to be considered for 84 months is $25,000.
Includes Scooters, Touring, Cruisers and Dual-Sport Bikes.
No Street Sport or Moto Cross Bikes.
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

Tier Up to 60 Months APR* 72Month APR* Max Advance
A+ 5.90% 6.90% 90%
A 6.90% 7.90% 85%
B 7.90% 8.90% 80%

*Annual Percentage Rate

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Towables and Motor Homes – New/Used (no older than 2005)

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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ATV's, Recreational Motorcycles, Jet Skis, Snowmobiles – Up to 60 Months

Tier New APR* Used APR* Max Advance
A+ 7.99% 9.99% 90%
A 8.99% 10.99% 85%
B 10.99% 11.99% 80%

*Annual Percentage Rate

 

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

Tier New APR* Used APR*
A+ 6.90% 7.90%
A 7.90% 8.90%
B 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

Tier 12 Month APR* 24 Month APR* 36 Month APR* 48 Month APR* 60 Month APR*
A+ 3.90% 4.90% 5.90% 6.90% 7.90%
A 4.90% 5.90% 6.90% 7.90% 8.90%
B - Max $10,000 5.90% 6.90% 7.90% 8.90% 9.90%
C - Max $1,000 8.90% 9.90% 10.90% 11.90% 12.90%
D - Max $500 14.90% 15.90% 16.90% 17.90% N/A

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
TSC Secured Loan 2.50% over last declared dividend

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

Description Annual Percentage Rate (APR)
A+ 7.90%
A 8.90%
B - Max $10,000 9.90%
C - Max $1,000 11.90%
D - Max $500 17.90%

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

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