Loan Rates

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Loan Rates

Auto, Boat, RVs and Motorcycles Rates

Effective Date: Monday, May 29th, 2023

Type	Note Rate	APR	Payment Example
New Vehicles	12-36 Months	3.49% special*	$878.93
2022-2023	37-60 Months	4.75% special*	$562.71
	61-72 Months	5.00% special*	$483.15
	73-84 Months	5.50% special*	$424.02
Used Vehicles	12-36 Months	3.49% special*	$878.93
2019-2022	37-60 Months	4.75% special*	$562.71
	61-72 Months	5.00% special*	$483.15
	73-84 Months	5.50% special*	$424.02
Used Vehicles	36 Months	5.75%	$909.26
2015-2018	48 Months	5.75%	$701.12
	60 Months	6.00%	$579.98
Used Vehicles 2014	36 Months	5.75%	$909.26
New Motorcycles	12-36 Months	3.49% special*	$878.93
2022-2023	37-60 Months	4.75% special*	$562.71
	61-72 Months	5.00% special*	$483.15
	73-84 Months	5.50% special*	$424.02
Used Motorcycles	12-36 Months	3.49% special*	$878.93
2019-2022	37-60 Months	4.75% special*	$562.71
	61-72 Months	5.00% special*	$483.15
	73-84 Months	5.50% special*	$424.02
Used Motorcycles	36 Months	5.75%	$909.26
2015-2018	48 Months	5.75%	$701.12
	60 Months	6.00%	$579.98
Used Motorcycles 2014	36 Months	5.75%	$909.26
APR is Annual Percentage Rate. Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. No other discounts may be applied. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2014 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $30,000 loan for highest term listed in range. Payment example does not include down payment, taxes or other fees. Auto Loan Example: $30,000 at 3.49% for 36 months. Monthly payment is $878.93 with total finance charges of $1641.44 and total repayment of $31641.44;To determine your exact payment, click here to use our Auto Loan Calculator.

First Mortgages

Effective Date: Monday, May 29th, 2023

Term	Note Rate	APR	Points	Payment Example
10 Years	6.500%	6.82	0	$2,441.28
15 Years	6.625%	6.86	0	$1,887.69
20 Years	6.625%	6.81	0	$1,618.84
25 Years	7.000%	7.16	0	$1,519.58
30 Years	7.000%	7.15	0	$1,430.40
5/1 ARM	5.750%	5.88	0	$1,254.68
7/1 ARM	6.000%	6.13	0	$1,289.03
APR is Annual Percentage Rate. Rates may vary according to credit worthiness and are subject to change without notice. All payment examples are based upon a $150,000 loan. To determine your exact payment, click here to use our Mortgage Calculator.

Home Equity

Effective Date: Monday, May 29th, 2023

Name	APR
Home Equity Line of Credit	1.99% APR fixed for the first 6 months. Variable rate thereafter.
*1.99% introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOC) with an 80% loan-to-value (LTV) or less. The APR is based on the person’s credit worthiness. Offer is available for new applications submitted and is for a limited time only. A minimum of one qualifying transaction must be made within 90 days of the HELOC open date for the introductory APR to apply. The introductory APR will remain fixed for the first 6 months and will begin on the date the HELOC is opened. After the introductory period, the APR becomes variable and adjusts based on the Prime Rate (the index) as published in the Wall Street Journal. As of December 15, 2022 the prime rate was 7.50%. The variable rate is as low as 7.25%. Variable interest rates may vary according to credit worthiness. Lifetime APR will not exceed 18% and will not go below 3%. Loans are subject to approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required. Customer pays no closing costs or appraisal fee. Consult a tax advisor regarding the deductibility of interest.

Name

APR

Home Equity Line of Credit

1.99% APR fixed for the first 6 months. Variable rate thereafter.

*1.99% introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOC) with an 80% loan-to-value (LTV) or less. The APR is based on the person’s credit worthiness. Offer is available for new applications submitted and is for a limited time only. A minimum of one qualifying transaction must be made within 90 days of the HELOC open date for the introductory APR to apply. The introductory APR will remain fixed for the first 6 months and will begin on the date the HELOC is opened. After the introductory period, the APR becomes variable and adjusts based on the Prime Rate (the index) as published in the Wall Street Journal. As of December 15, 2022 the prime rate was 7.50%. The variable rate is as low as 7.25%. Variable interest rates may vary according to credit worthiness. Lifetime APR will not exceed 18% and will not go below 3%. Loans are subject to approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required. Customer pays no closing costs or appraisal fee. Consult a tax advisor regarding the deductibility of interest.

Other Loans

Effective Date: Monday, May 29th, 2023

Loan Type	APR
Personal	12.50%
Partially Secured (over 50% collateral)	11.50%
Fully Secured
Stock 50% LTV	7.50%
Savings	5.20%
CD	3.00% + CD Rate
APR is Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Maximum loan amount $5,000. Maximum term for top credit only, 36 months. Personal Unsecured Loan Example: $5,000 at 12.50% for 36 months. Monthly payment is $167.27 with total finance charges of $1,021.64 and total repayment of $6,021.64. Payment example does not include taxes and insurance. Actual payment amount may be greater. All loans subject to approval.

Visa Credit Cards

Effective Date: Monday, May 29th, 2023

Type	APR*	Additional Information
Rewards Platinum	11.99%-21.99%	Terms and Conditions
Cash Rewards Platinum	14.99%-24.99%	Terms and Conditions
Signature Travel	14.99%-20.99%	Terms and Conditions
Platinum Edition	10.99% to 20.99%	Terms and Conditions
Small Business Rewards	13.99%-22.99%3	Terms and Conditions
Small Business Cash Rewards	15.99%-25.99%	Terms and Conditions
Small Business Edition	12.99%-22.99%	Terms and Conditions
Company Rewards Charge Card	Pay in full	Terms and Conditions
APR is Annual Percentage Rate. Terms and conditions apply. Rates may vary according to credit worthiness and are subject to change without notice. Variable rates, fees and terms are subject to change. Credit Cards are issued and serviced by TCM Bank, N.A., pursuant to a license from Visa U.S.A., Inc.