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+ | 3.72/4.97 | 3.49/4.74 | 3.59/4.84 | 3.78/5.03 | 3.84/5.09 | 3.37/4.62 | 3.62/5.12 | 80% |
| A: 700-749 | 3.97/5.47 | 3.74/5.24 | 3.84/5.34 | 4.03/5.53 | 4.09/5.59 | 3.62/5.12 | 3.62/5.62 | 80% |
| B: 650-699 | 4.22/6.22 | 3.99/5.99 | 4.09/6.09 | 4.28/6.28 | 4.34/6.34 | 3.87/5.87 | 4.37/6.37 | 80% |
| C: 600-649 | 4.47/6.47 | 4.24/6.24 | 4.34/6.34 | 4.53/6.53 | 4.59/6.59 | 4.12/6.12 | 4.62/6.62 | 70% |
| D: 550-599 | 4.96/6.96 | 4.73/6.73 | 4.83/6.83 | 5.02/7.02 | 5.08/7.08 | 4.61/6.61 | 5.11/7.11 | 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 October 14, 2019
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice
