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.