• Credit Rating
  • A+ 730+
  • A 680-729
  • B 630-679
  • C 581-629
  • D 550-580
  • E 500-549
  • E2 499-475

We use Equifax Credit Reporting and have structured our scores with their scale accordingly. Highest score is 800.

All Rates are subject to change by direction of the Board of Directors.

Unsecured Loans-One Year on amounts less than $3,000, Two Years on $3100-$5,000.

Effective 10/01/2009                                

 Credit Rating Interest Rate  Loan Limit Debt Ratio 
A+ base -1.00% 6.00% $5,000.00 1-20% 
A+ base-1.00%

 6.00%

 $3,000.00

 21%-40%

A base 

 7.00%

 $5,000.00

 1-20%

A base 7.00% $3,000.00

21%-40% 

B base plus 1.00% 8.00% $5,000.00 1-20% 
B base plus 1.00%  

 8.00%

 $3,000.00

 21%-40%

C base plus 8.00% 15.00% $2,500.00

1-40% 

D base plus 9.00% 16.00% $2,000.00 1-40% 
E base plus 10.00% 17.00% $2,000.00 1-30% 
E1 base plus 10.00% 

 17.00%

 $1,500.00

 31%-40%

E2 base plus 10.00% 

 17.00%

 $500.00

 1-40%

       
   
New Vehicle Proposed Rates - 100% of value for 5 Years 
A+ minus .50 4.50%
A base 5.00%
B base plus 1% 6.00%
C base plus 4% 9.00%
D base plus 6% 11.00%
E base plus 8% 13.00%
   
Used Vehicle 2009-2008 - 90% of value for 4 Years
A+ minus .50 5.75%
A base 6.25%
B base plus 1% 7.25%
C base plus 4% 10.25%
D base plus 6% 12.25%
E base plus 8% 14.25%
   
Used Vehicle 2007 - 90% of value for 4 Years
A+ minus .50 6.50% 
A base 7.00%
B base plus 1% 8.00%
C base plus 4% 11.00%
D base plus 6% 13.00%
E base plus 8% 15.00%
   
Used Vehicle 2006 - 90% of value for 4 Years 
A+ minus .50 7.00%
A base 7.50%
B base plus 1% 8.50%
C base plus 4% 11.50%
D base plus 6% 13.50%
E base plus 8% 15.50%
   
Used Vehicle 2005-2004 - 80% of value for 3 Years
A+ minus .50 7.50%
A base 8.00%
B base plus 1% 9.00%
C base plus 4% 12.00%
D base plus 6% 14.00%
E base plus 8% 16.00%
   
Used 2003 & Older - 80% of value for 2 Years
A+ minus .50 8.00%
A base 8.50%
B base plus 1% 9.50%
C base plus 4% 12.50%
D base plus 6% 14.50%
E base plus 8% 16.50%
   
Used Motorcycles 2009-1997 - 90% of value for 3 Years
A+ base -.50% 6.50%
A base 7.00%
B base plus 1.00% 8.00%
C base plus 3.00% 10.00%
D base plus 5.00% 12.00%
E base plus 7.00% 14.00%
   
Used Motorcycles 1996 & Older - 75% of value for 2 Years
A+ base -.50% 9.50%
A base 10.00%
B base plus 1.00% 11.00%
C base plus 3.00% 13.00%
D base plus 5.00% 15.00%
E base plus 7.00% 17.00%
   
Boats, Travel Trailers & ATVs NEW - 90% of value for 3 Years
A+ base -.50% 9.50%
A base 10.00%
B base plus 1.00% 11.00%
C base plus 3.00% 13.00%
D base plus 5.00% 15.00%
E base plus 7.00% 17.00%
   
Boats, Travel Trailers & ATVs USED - 75% of value for 2 Years
A+ base -.50% 10.50%
A base 11.00%
B base plus 1.00% 12.00%
C base plus 3.00% 14.00%
D base plus 5.00% 16.00%
E base plus 7.00% 18.00%