VEHICLES & MOTORCYCLES

2021 OR NEWER MODEL YEARS:  5.75% - 48 MONTHS

                                                 5.99% - 60 MONTHS

                                                 6.25% - 72 MONTHS

                                                 6.50% - 84 MONTHS

2020 MODEL YEAR:  6.50% - 72 MONTHS

2019 MODEL YEAR: 6.75% - 72 MONTHS

2018 MODEL YEAR:  6.99% - 66 MONTHS

2017 MODEL YEAR:  7.25% - 66 MONTHS

2016 MODEL YEAR:  7.49% - 60 MONTHS

2015 MODEL YEAR:  7.75% - 60 MONTHS

2014 MODEL YEAR:  7.75% - 60 MONTHS

Extended terms: Add 0.25% for each additional 6 months in excess of term as stated above. The rate and term you receive will be based upon credit scoring criteria, loan to value ratio, and debt to income.

BOAT, CAMPER, R.V., ETC.
2021 OR NEWER - 7.75% - 120 MONTHS
2020 OR OLDER -  8.25% - 96 MONTHS

EQUITY REAL ESTATE

SHARE SECURED
7.50% * - TO 36 MONTHS
7.50% * - TO 60 MONTHS
*Rate must be at least 2% above APY received on secured account.

OTHER SECURED
10.75%

MASTERCARD
11.99%

Public Employees MasterCard program offers a low 11.99% non-variable rate of interest, no annual fee and a 25 day finance charge grace period on purchases.  Cash advance finance charges start on the date of advance and a $2.00 fee is assessed.  We use the average daily balance method of computing finance charges with a minimum of $0.50.  A $10.00 fee is assessed for late payments and returned checks.  No other fees apply.

SIGNATURE
14.99%

SIGNATURE PLUS

8.99%

Loan rates stated are annual percentage rates.  Loans that encompass more than one category will receive a weighted average rate.  Rates based on qualifying credit. For other terms in all loan categories - See Staff