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+ 3.88/5.13 3.94/5.19 3.97/5.22 4.27/5.52 4.35/5.60 4.07/5.32 4.34/5.84 80%
A: 700-749 4.13/5.63 4.19/4.69 4.22/5.72 4.52/6.02 4.60/6.10 4.32/5.82 4.34/6.34 80%
B: 650-699 4.38/6.38 4.44/6.44 4.47/6.47 4.77/6.77 4.85/6.85 4.57/6.57 5.09/7.09 80%
C: 600-649 4.63/6.63 4.69/6.69 4.72/6.72 5.02/7.02 5.10/7.10 4.82/6.82 5.34/7.34 70%
D: 550-599 5.12/7.12 5.18/7.18 5.21/7.21 5.51/7.51 5.59/7.59 5.31/7.31 5.83/7.83 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 March 18, 2019
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice