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