Loan Rates

Loan FAQs

Autos, Trucks, Vans, Motorcycles

YearTermAPR¹ (%)Other Conditions
2023 - 2025Up to 54 months6.54-15.44
Up to 66 months 6.69-15.59
Up to 78 months7.14-10.79(Minimum Amount Financed $10,000)
Up to 84 months7.94-8.29(Minimum Amount Financed $20,000)
2021 - 2022Up to 54 months6.79-15.59
Up to 66 months6.94-15.69
Up to 78 months7.49-10.94(Minimum Amount Financed $10,000)
2018 - 2020Up to 54 months6.94-16.44
Up to 66 months 6.94-16.69
Up to 78 months7.69-11.44(Minimum Amount Financed $10,000)
2017 and olderUp to 42 months7.44-18.19
Up to 54 months7.54-18.29
Up to 66 months7.69-11.94

Boats, RVs, Campers, Horse & Utility Trailers

YearTermAPR¹ (%)Other Conditions
2023 - 2025Up to 60 months7.50-16.25
Up to 84 months8.50-16.75
Up to 120 months8.90-12.60(Minimum Amount Financed $18,000)
Up to 144 months9.20-12.90(Minimum Amount Financed $25,000)
2020 - 2022Up to 60 months7.75-16.75
Up to 84 months9.05-17.50
Up to 120 months9.65-13.35(Minimum amount Financed $18,000)
2019 and olderUp to 60 months9.00-19.25
Up to 84 months9.75-20.00
Up to 120 months10.30-14.25(Minimum amount Financed $18,000)

UCC Secured Loans

Secured LoansTermAPR¹ (%)
All Secured Loans48 months10.74

Mortgage Rates

View Mortgage Rates

Home Equity

Home EquityTermAPR¹ (%)
Fixed Rate Equity Loan60 months6.49-9.14
Fixed Rate Equity Loan120 months6.49-9.39
Fixed Rate Equity Loan180 months8.24-9.89
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 LoansTermAPR¹ (%)
Variable Rate²Prime + 6-12%14.50-18.00
Fixed Rate Personal36 months11.75-19.25
Fixed Rate Personal48 months12.50-19.25
Fixed Rate Personal60 months12.75-19.25

Credit Cards

Credit CardsMinimum paymentCurrent rate (%)Annual fee
The YOU Card²2% of avg balance13.50-18.00None
VISA Platinum²2% of avg balance14.24-18.00None
Secured VISA Platinum²2% of avg balance14.24-18.00None

Pledge Loans

Pledge LoansTermAPR¹ (%)
Share SecuredUp to 120 monthsShare +2% margin
Certificate SecuredBased on maturity rateCertificate rate +2%

Rates effective as of June 12, 2024 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.