Loan Rates

New Auto, Boats, Motorcycles, etc.

Range Grade 24 months 36 months 48 months 60 months 72 months
750 or higher Platinum 2.00% 2.25% 2.50% 2.75% 3.50%
700 - 749 A 3.00% 3.25% 3.50% 3.75% 4.50%
650 - 699 B 5.00% 5.25% 5.50% 6.75% 7.50%
600 - 649 C 7.00% 7.50% 8.00% 8.50% 9.50%
550 - 599 D 11.00% 12.00% 13.00% 14.00% N/A
450 - 549 E 15.00% 16.00% 17.00% 18.00% N/A

Signature Unsecured, Share Secured and Collateral Secured Rates

As of January 1, 2016

Range Grade Signature Secured Share Secured Collateral Secured
750 or higher Platinum 8% 5% 5%
700 - 749 A 9% 5% 7%
650 - 699 B 11% 5% 9%
600 - 649 C 13% 5% 11%
550 - 599 D 15% 5% 13%
450 - 549 E 18% 5% 18%


Used Vehicle Rates

One and Two Year Old Vehicles

Grade APR Rate Period
Platinum 2% 24 Months
A 3% 24 Months
B 6% 36 Months
C 13% 42 Months
D 15% 48 Months
E 17% 48 Months

The NADA suggested loan value is used.

*APR = Annual Percentage Rate. Interest rate determined by credit score obtained through the credit bureau. Specific terms and minimum amounts may apply. Rates are subject to change. Contact our Loan Officer at (936) 857-4925 or email our loan officer

Three and Four Year Old Vehicles

Grade APR Rate Period
Platinum 3% 24 Months
A 4% 24 Months
B 9% 36 Months
C 15% 42 Months
D 17% 48 Months
E 18% 48 Months

The NADA suggested loan value is used.

*APR = Annual Percentage Rate. Interest rate determined by credit score obtained through the credit bureau. Specific terms and minimum amounts may apply. Rates are subject to change. Contact our Loan Officer at (936) 857-4925 or email our loan officer

Board Approved: July 19,2016 Adopted in September.