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+ | 3.68/4.93 | 3.72/4.97 | 3.71/4.96 | 3.89/5.14 | 3.94/5.19 | 3.53/4.78 | 3.82/5.32 | 80% |
| A: 700-749 | 3.93/5.43 | 3.97/5.47 | 3.96/5.46 | 4.14/5.64 | 4.19/5.69 | 3.78/5.28 | 3.82/5.82 | 80% |
| B: 650-699 | 4.18/6.18 | 4.22/6.22 | 4.21/6.21 | 4.39/6.39 | 4.44/6.44 | 4.03/6.03 | 4.57/6.57 | 80% |
| C: 600-649 | 4.43/6.43 | 4.47/6.47 | 4.46/6.46 | 4.64/6.64 | 4.69/6.69 | 4.28/6.28 | 4.82/6.82 | 70% |
| D: 550-599 | 4.92/6.92 | 4.96/6.96 | 4.95/6.95 | 5.13/7.13 | 5.18/7.18 | 4.77/6.77 | 5.31/7.31 | 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 November 04, 2019
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice
