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