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+ | 3.75/5.00 | 3.71/4.96 | 3.75/5.00 | 3.99/5.24 | 4.07/5.32 | 3.58/4.83 | 3.87/5.37 | 80% |
| A: 700-749 | 4.00/5.50 | 3.96/5.46 | 4.00/5.50 | 4.24/5.74 | 4.32/5.82 | 3.83/5.33 | 4.87/5.87 | 80% |
| B: 650-699 | 4.25/6.25 | 4.21/6.21 | 4.25/6.25 | 4.49/6.49 | 4.57/6.57 | 4.08/6.08 | 4.62/6.62 | 80% |
| C: 600-649 | 4.50/6.50 | 4.46/6.46 | 4.50/6.50 | 4.74/6.74 | 4.82/6.82 | 4.33/6.33 | 4.87/6.87 | 70% |
| D: 550-599 | 4.99/6.99 | 4.95/6.95 | 4.99/6.99 | 5.23/7.23 | 5.31/7.31 | 4.82/7.82 | 5.36/7.36 | 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 June 17, 2019
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice
