Loan Rates
Rates as of January 1, 2019
New Vehicle Loans
| Paper/FICO Score | 48 Months | 60 Months | 72 Months | 84 Months |
|---|---|---|---|---|
| A+ = 750 or Higher | 3.90% | 4.15% | 4.40% | 4.65% |
| A = 700 to 749 | 5.15% | 5.40% | 5.65% | 5.90% |
| B = 650 to 699 | 6.40% | 6.65% | 6.90% | 7.15% |
| C = 600 to 649 | 7.65% | 7.90% | 8.15% | 8.40% |
| D = 550 to 599 | 8.90% | 9.15% | 9.40% | 9.65% |
| E = 549 and Below | 10.15% | 10.40% | 10.65% | 10.90% |
Used Vehicle Loans
| Paper/FICO Score | 48 Months | 60 Months | 72 Months |
|---|---|---|---|
| A+ = 750 or Higher | 4.20% | 4.45% | 4.70% |
| A = 700 to 749 | 5.45% | 5.70% | 5.95% |
| B = 650 to 699 | 6.70% | 6.95% | 7.20% |
| C = 600 to 649 | 7.95% | 8.20% | 8.45% |
| D = 550 to 599 | 9.20% | 9.45% | 9.70% |
| E = 549 and Below | 10.45% | 10.70% | 10.95% |
Consumer Goods
| Paper/FICO Score | 36 Months | 48 Months | 60 Months |
|---|---|---|---|
| A+ = 750 or Higher | 6.90% | 7.15% | 7.40% |
| A = 700 to 749 | 8.15% | 8.40% | 8.65% |
| B = 650 to 699 | 9.40% | 9.65% | 9.90% |
| C = 600 to 649 | 10.65% | 10.90% | 11.15% |
| D = 550 to 599 | 11.90% | 12.15% | 12.40% |
| E = 549 and Below | 13.15% | 13.40% | 13.65% |
Personal/Unsecured Loans
| Paper/FICO Score | 12 Months | 24 Months | 36 Months |
|---|---|---|---|
| A+ = 750 or Higher | 7.90% | 8.15% | 8.40% |
| A = 700 to 749 | 9.15% | 9.40% | 9.65% |
| B = 650 to 699 | 10.40% | 10.65% | 10.90% |
| C = 600 to 649 | 11.65% | 11.90% | 12.15% |
| D = 550 to 599 | 12.90% | 13.15% | 13.40% |
| E = 549 and Below | 14.15% | 14.40% | 14.65% |
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+ | 3.84/5.09 | 3.91/5.16 | 3.93/5.18 | 4.21/5.46 | 4.28/5.53 | 3.94/5.19 | 4.21/5.71 | 80% |
| A: 700-749 | 4.09/5.59 | 4.16/4.66 | 4.18/5.68 | 4.46/5.96 | 4.53/6.03 | 4.19/5.69 | 4.21/6.21 | 80% |
| B: 650-699 | 4.34/6.34 | 4.41/6.41 | 4.43/6.43 | 4.71/6.71 | 4.78/6.78 | 4.44/6.44 | 4.96/6.96 | 80% |
| C: 600-649 | 4.59/6.59 | 4.66/6.66 | 4.68/6.68 | 4.96/6.96 | 5.03/7.03 | 4.69/6.69 | 5.21/7.21 | 70% |
| D: 550-599 | 5.08/7.08 | 5.15/7.15 | 5.17/7.17 | 5.45/7.45 | 5.52/7.52 | 5.18/7.18 | 5.70/7.70 | 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 April 22, 2019
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice
