Loan Rates


Rates as of October 1, 2019

New Vehicle Loans

Paper/FICO Score 48 Months 60 Months 72 Months 84 Months
A+ = 750 or Higher 2.45% 2.70% 2.95% 3.20%
A = 700 to 749 3.70% 3.95% 4.20% 4.45%
B = 650 to 699 4.95% 5.20% 5.45% 5.70%
C = 600 to 649 6.20% 6.45% 6.70% 6.95%
D = 550 to 599 7.45% 7.70% 7.95% 8.20%
E = 549 and Below 8.70% 8.95% 9.20% 9.45%

Used Vehicle Loans

Paper/FICO Score 48 Months 60 Months 72 Months
A+ = 750 or Higher 2.75% 3.00% 3.25%
A = 700 to 749 4.00% 4.25% 4.50%
B = 650 to 699 5.25% 5.50% 5.75%
C = 600 to 649 6.50% 6.75% 7.00%
D = 550 to 599 7.75% 8.00% 8.25%
E = 549 and Below 9.00% 9.25% 9.50%

Consumer Goods

Paper/FICO Score 36 Months 48 Months 60 Months
A+ = 750 or Higher 5.45% 5.70% 5.95%
A = 700 to 749 6.70% 6.95% 7.20%
B = 650 to 699 7.95% 8.20% 8.45%
C = 600 to 649 9.20% 9.45% 9.70%
D = 550 to 599 10.45% 10.70% 10.95%
E = 549 and Below 11.70% 11.95% 12.20%

Personal/Unsecured Loans

Paper/FICO Score 12 Months 24 Months 36 Months
A+ = 750 or Higher 6.45% 6.70% 6.95%
A = 700 to 749 7.70% 7.95% 8.20%
B = 650 to 699 8.95% 9.20% 9.45%
C = 600 to 649 10.20% 10.45% 10.70%
D = 550 to 599 11.45% 11.70% 11.95%
E = 549 and Below 12.70% 12.95% 13.20%

Commercial Real Estate

Risk Grade Risk Score Commercial Max LTV
A+ 750 & Up *Prime + 2% 80%
A 700-749 *Prime + 2% 80%
B 650-699 *Prime + 4% 80%
C 600-649 *Prime + 6% 80%
D 550-599 Not Available
E 549 & Below Not Available

*Prime will be pulled from www.bankrate.com, the first business day of each month.


Mortgages & Home Equity

Risk Grade 1 Year 2 Years 3 Years 7 Years 10-12 YR 15-20 YR 25-30 YR LTV
A+: 750+ 3.72/4.97 3.49/4.74 3.59/4.84 3.78/5.03 3.84/5.09 3.37/4.62 3.62/5.12 80%
A: 700-749 3.97/5.47 3.74/5.24 3.84/5.34 4.03/5.53 4.09/5.59 3.62/5.12 3.62/5.62 80%
B: 650-699 4.22/6.22 3.99/5.99 4.09/6.09 4.28/6.28 4.34/6.34 3.87/5.87 4.37/6.37 80%
C: 600-649 4.47/6.47 4.24/6.24 4.34/6.34 4.53/6.53 4.59/6.59 4.12/6.12 4.62/6.62 70%
D: 550-599 4.96/6.96 4.73/6.73 4.83/6.83 5.02/7.02 5.08/7.08 4.61/6.61 5.11/7.11 50%
E: 549 & Below N/A N/A N/A N/A N/A N/A N/A N/A

Mark Up Schedule *1st Lien/2nd Lien

Risk Grade 1 Year 2 Years 3 Years 7 Years 10-12 YR 15-20 YR 25-30 YR
A+: 750+ 0.25/1.50 0.25/1.50 0.25/1.50 0.25/1.50 0.25/1.50 0.25/1.50 0.00/1.50
A: 700-749 0.50/2.00 0.50/2.00 0.50/2.00 0.50/2.00 0.50/2.00 0.50/2.00 0.00/2.00
B: 650-699 0.75/2.75 0.75/2.75 0.75/2.75 0.75/2.75 0.75/2.75 0.75/2.75 0.75/2.75
C: 600-649 1.00/3.00 1.00/3.00 1.00/3.00 1.00/3.00 1.00/3.00 1.00/3.00 1.00/3.00
D: 550-599 1.49/3.49 1.49/3.49 1.49/3.49 1.49/3.49 1.49/3.49 1.49/3.49 1.49/3.49
E: 549 & Below N/A N/A N/A N/A N/A N/A N/A

Rates as of October 14, 2019
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice