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Loan Rates

Rates in effect as of November 21, 2018
Financial Calculators Auto, Boat, RVs and Motorcycles
 Note RateAPRPayment Example*
New Vehicles12 - 36 Months2.50% special*$432.92
2017 - 201837 - 60 Months3.75% special*$274.56
61 - 72 Months4.00% special*$234.68
73 - 84 Months4.50% special*$208.50
Used Vehicles12 - 36 Months2.50% special*$432.92
2014 - 201737 - 60 Months3.75% special*$274.56
61 - 72 Months4.00% special*$234.68
73 - 84 Months4.50% special*$208.50
Used Vehicles36 Months4.75%$447.88
2010 - 201348 Months4.75%$343.74
60 Months5.50%$286.52
Used Vehicles 200936 Months4.75%$447.88
New Motorcycles12 - 36 Months2.50% special*$432.92
2017 - 201837 - 60 Months3.75% special*$274.56
61 - 72 Months4.00% special*$234.68
73 - 84 Months4.50% special*$208.50
Used Motorcycles12 - 36 Months2.50% special*$432.92
2014 - 201737 - 60 Months3.75% special*$274.56
61 - 72 Months4.00% special*$234.68
73 - 84 Months4.50% special*$208.50
Used Motorcycles36 Months4.75%$447.88
2010 - 201348 Months4.75%$343.74
60 Months5.50%$286.52
Used Motorcycles 200936 Months4.75%$447.88
*APR is Annual Percentage Rate. Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. No other discounts may be applied. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2009. vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $10,000 loan for highest term listed in range. Auto Loan Example: $10,000 at 2.50% for 36 months. Monthly payment is $288.61 with total finance charges of $390.09 and total repayment of $10,390.09 *To determine your exact payment, click here to use our Auto Loan Calculator.
First MortgagesNote RateAPRPointsPayment Example*
10 Years4.500%


4.86%


0$1,554.58


15 Years4.625%
4.88%
0$1,157.10


20 Years4.875%
5.08%

0$979.61
25 Years4.875%

5.04%


0$866.00
30 Years4.875%5.02%

0$793.81

5/1 ARM4.000%
4.13%
0$716.12
7/1 ARM4.125%

4.26%

0$726.97
APR is Annual Percentage Rate. Rates may vary according to credit worthiness and are subject to change without notice. *All payment examples are based upon a $100,000 loan. *To determine your exact payment, click here to use our Mortgage Calculator.
Home EquityAPR
Line-of-Credit1.99% fixed APR for 6 months, as low as 4.75% variable APR thereafter*
*1.99% introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOC) with an 80% loan-to-value (LTV) or less. The APR is based on the person’s credit worthiness. Offer is available for new applications submitted during the promotional period. The promotion  is available for a limited time only. The introductory APR will remain fixed for the first 6 months and will begin on the date the HELOC is opened. After the introductory period, the APR becomes variable and adjusts based on the Prime Rate (the index) as published in the Wall Street Journal. As of March 22, 2018, the prime rate is 5.00% APR. Lifetime APR will not exceed 18%. Loans are subject to approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required. Customer pays no closing costs or appraisal fee. Consult a tax advisor regarding the deductibility of interest.
Other LoansAPR
Personal12.50%
Partially Secured (over 50% collateral)11.50%
Fully Secured
    Stock 50% LTV7.50%
    Savings5.20%
    CD3.00% + CD Rate
APR is Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Maximum loan amount $5,000. Maximum term for top credit only, 36 months. Personal Unsecured Loan Example: $5,000 at 12.50% for 36 months. Monthly payment is $167.27 with total finance charges of $1,021.64 and total repayment of $6,021.64. Payment example does not include taxes and insurance. Actual payment amount may be greater. All loans subject to approval.
Visa Credit cardsAPR 
Rewards Platinum11.24%-21.24%Terms and Conditions
Cash Rewards Platinum14.24%-24.24%Terms and Conditions
Platinum Edition10.24% to 20.24%Terms and Conditions
Small Business Rewards13.24%-23.24%Terms and Conditions
Small Business Cash Rewards15.24%-25.24%Terms and Conditions
Small Business Edition12.24%-22.24%Terms and Conditions
Company Rewards Charge CardPay in full- If not paid in full, 23.24%Terms and Conditions
APR is Annual Percentage Rate. Terms and conditions apply. Rates may vary according to credit worthiness and are subject to change without notice. Variable rates, fees and terms are subject to change. Credit Cards are issued and serviced by TCM Bank, N.A., pursuant to a license from Visa U.S.A., Inc.

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