Loan Rates

Autos, Trucks, Vans, Motorcycles

Year	Term	APR¹ (%)	Other Conditions
2022 - 2024	Up to 54 months	6.54-15.44
	Up to 66 months	6.69-15.59
	Up to 78 months	7.14-10.79	(Minimum Amount Financed $10,000)
	Up to 84 months	7.94-8.29	(Minimum Amount Financed $20,000)
2020 - 2021	Up to 54 months	6.79-15.59
	Up to 66 months	6.94-15.69
	Up to 78 months	7.49-10.94	(Minimum Amount Financed $10,000)
2017 - 2019	Up to 54 months	6.94-16.44
	Up to 66 months	6.94-16.69
	Up to 78 months	7.69-11.44	(Minimum Amount Financed $10,000)
2016 and older	Up to 42 months	7.44-18.19
	Up to 54 months	7.54-18.29
	Up to 66 months	7.69-11.94

Boats, Motors, RVs, Campers, Horse & Utility Trailers

Year	Term	APR¹ (%)	Other Conditions
2022 - 2024	Up to 60 months	7.00-15.75
	Up to 84 months	8.00-16.25
	Up to 120 months	8.40-12.10	(Minimum Amount Financed $18,000)
	Up to 144 months	8.70-12.40	(Minimum Amount Financed $25,000)
2019 - 2021	Up to 60 months	7.25-16.25
	Up to 84 months	8.55-17.00
	Up to 120 months	9.15-12.85	(Minimum amount Financed $18,000)
2018 and older	Up to 60 months	8.50-18.75
	Up to 84 months	9.25-19.50
	Up to 120 months	9.80-13.75	(Minimum amount Financed $18,000)

Secured Loans

Secured Loans	Term	APR¹ (%)
All Secured Loans	48 months	10.74

Home Equity

Home Equity	Term	APR¹ (%)
Fixed Rate Equity Loan	60 months	6.49-8.74
Fixed Rate Equity Loan	120 months	6.49-8.99
Fixed Rate Equity Loan	180 months	8.24-9.49
Variable Rate² - Equity Plus - Home Equity Line of Credit	Prime + 0% (up to 80% LTV)	8.50
Variable Rate² - Equity Plus - Home Equity Line of Credit	Prime + 1% (80.01% to 90% LTV)	9.50
Variable Rate² - Equity Plus - Home Equity Line of Credit	Prime + 2% (90.01 to 100% LTV)	10.50

Personal Loans

Personal Loans	Term	APR¹ (%)
Variable Rate²	Prime + 6-12%	14.50-18.00
Fixed Rate Personal	36 months	10.75-18.25
Fixed Rate Personal	48 months	11.50-18.25
Fixed Rate Personal	60 months	11.75-18.25

Credit Cards

Credit Cards	Minimum payment	Current rate (%)	Annual fee
The YOU Card²	2% of avg balance	13.50-18.00	None
VISA Platinum²	2% of avg balance	14.24-18.00	None
Secured VISA Platinum²	2% of avg balance	14.24-18.00	None

Pledge Loans

Pledge Loans	Term	APR¹ (%)
Share Secured	Up to 120 months	Share +2% margin
Certificate Secured	Based on maturity rate	Certificate rate +2%

Rates effective as of June 27, 2023 and subject to change without notice.

1 – APR = Annual Percentage Rate. Rates will vary for loans initiated through a dealership or third party. 2 – Variable rates are subject to change; Interest rate index and any applicable margins are defined per loan contract. All loans are subject to credit approval. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.