Loan Rates
Rates as of July 1, 2019
New Vehicle Loans
| Paper/FICO Score | 48 Months | 60 Months | 72 Months | 84 Months |
|---|---|---|---|---|
| A+ = 750 or Higher | 3.10% | 3.35% | 3.60% | 3.85% |
| A = 700 to 749 | 4.35% | 4.60% | 4.85% | 5.10% |
| B = 650 to 699 | 5.15% | 5.85% | 6.10% | 6.35% |
| C = 600 to 649 | 5.95% | 7.10% | 7.35% | 7.60% |
| D = 550 to 599 | 6.75% | 8.35% | 8.60% | 8.85% |
| E = 549 and Below | 7.55% | 9.60% | 9.85% | 10.10% |
Used Vehicle Loans
| Paper/FICO Score | 48 Months | 60 Months | 72 Months |
|---|---|---|---|
| A+ = 750 or Higher | 3.40% | 3.65% | 3.90% |
| A = 700 to 749 | 4.65% | 4.90% | 5.15% |
| B = 650 to 699 | 5.90% | 6.15% | 6.40% |
| C = 600 to 649 | 7.15% | 7.40% | 7.65% |
| D = 550 to 599 | 8.40% | 8.65% | 8.90% |
| E = 549 and Below | 9.65% | 9.90% | 10.15% |
Consumer Goods
| Paper/FICO Score | 36 Months | 48 Months | 60 Months |
|---|---|---|---|
| A+ = 750 or Higher | 6.10% | 6.35% | 6.60% |
| A = 700 to 749 | 7.35% | 7.60% | 7.85% |
| B = 650 to 699 | 8.60% | 8.85% | 9.10% |
| C = 600 to 649 | 9.85% | 10.10% | 10.35% |
| D = 550 to 599 | 11.90% | 12.15% | 12.40% |
| E = 549 and Below | 12.35% | 12.60% | 12.85% |
Personal/Unsecured Loans
| Paper/FICO Score | 12 Months | 24 Months | 36 Months |
|---|---|---|---|
| A+ = 750 or Higher | 7.10% | 7.35% | 7.60% |
| A = 700 to 749 | 8.35% | 8.60% | 8.85% |
| B = 650 to 699 | 9.60% | 9.85% | 10.10% |
| C = 600 to 649 | 10.85% | 11.10% | 11.35% |
| D = 550 to 599 | 12.10% | 12.35% | 12.60% |
| E = 549 and Below | 13.35% | 13.60% | 13.85% |
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+ | 3.62/4.87 | 3.54/4.79 | 3.53/4.78 | 3.79/5.04 | 3.87/5.12 | 3.37/4.62 | 3.65/5.15 | 80% |
| A: 700-749 | 3.87/5.37 | 3.79/5.29 | 3.78/5.28 | 4.04/5.54 | 4.12/5.62 | 3.62/5.12 | 3.65/5.65 | 80% |
| B: 650-699 | 4.12/6.12 | 4.04/6.04 | 4.03/6.03 | 4.29/6.29 | 4.37/6.37 | 3.87/5.87 | 4.40/6.40 | 80% |
| C: 600-649 | 4.37/6.37 | 4.29/6.29 | 4.28/6.28 | 4.54/6.54 | 4.62/6.62 | 4.12/6.12 | 4.65/6.65 | 70% |
| D: 550-599 | 4.89/6.86 | 4.78/6.78 | 4.77/6.77 | 5.03/7.03 | 5.11/7.11 | 4.61/6.61 | 5.14/7.14 | 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 August 12, 2019
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice
