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+ 3.80/5.05 3.78/5.03 3.87/5.12 4.13/5.38 4.22/5.47 3.84/5.09 4.11/5.61 80%
A: 700-749 4.05/5.55 4.03/5.53 4.12/5.62 4.38/5.88 4.47/5.97 4.09/5.59 4.11/6.11 80%
B: 650-699 4.30/6.30 4.28/6.28 4.37/6.37 4.63/6.63 4.72/6.72 4.34/6.34 4.86/6.86 80%
C: 600-649 4.55/6.55 4.53/6.53 4.62/6.62 4.88/6.88 4.97/6.97 4.59/6.59 5.11/7.11 70%
D: 550-599 5.04/7.04 5.02/7.02 5.11/7.11 5.37/7.37 5.46/7.46 5.08/7.08 5.60/7.60 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 May 20, 2019
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice