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Routing #: 275978721
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Loan and Mortgage Rates

November 1, 2018

New Vehicles: 2017 & New*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 36 Months2.24%2.49%2.99%4.49%6.49%9.49%
37 to 48 Months2.49%2.74%3.24%4.74%6.74%9.74%
49 to 60 Months2.74%2.99%3.49%4.99%6.99%9.99%
61 to 72 Months2.99%3.24%3.74%5.24%7.24%10.24%
73 to 84 Months3.49%3.74%4.24%5.74%7.74%10.74%
Up to 100% of Purchase Price + Taxes & Fees

Used Vehicles: 2012-2016*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 36 Months2.69%2.94%3.44%4.94%6.94%9.94%
37 to 48 Months2.74%2.99%3.49%4.99%6.99%9.99%
49 to 60 Months2.99%3.24%3.74%5.24%7.24%10.24%
61 to 72 Months3.49%3.74%4.24%5.74%7.74%11.24%
73 to 84 Months4.49%4.74%5.24%6.74%8.74%11.74%
Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.

Used Vehicles: 2011 & Older*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 36 Months4.24%4.49%4.99%6.49%8.49%11.49%
37 to 48 Months4.49%4.74%5.24%6.74%8.74%11.74%
49 to 60 Months4.74%4.99%5.49%6.99%8.99%11.99%
Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.

New RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2016-New*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 60 Months7.49%7.74%8.24%9.74%11.74%15.74%
61 to 72 Months7.74%7.99%8.49%9.99%11.99%15.99%
73 to 84 Months7.99%8.24%8.74%10.24%12.24%16.24%
85 to 120 Months8.24%8.74%9.24%10.74%12.74%16.74%

Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2015 & Older*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 60 Months7.99%8.24%8.74%10.24%12.24%16.24%
61 to 72 Months8.24%8.49%8.99%10.49%12.49%16.49%
73 to 84 Months8.49%8.74%9.24%10.74%12.74%16.74%

New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2016-New*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 36 Months7.99%8.24%8.74%10.24%12.24%16.24%
37 to 48 Months8.19%8.44%8.94%10.44%12.44%16.44%
49 to 60 Months8.39%8.64%9.14%10.64%12.64%16.64%

Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2015 & Older*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 24 Months8.99%9.24%9.74%11.24%13.24%17.24%
25 to 36 Months9.99%10.24%10.74%12.24%14.24%18.24%

Other Loan TypesTermsLimitsRates as low as
(Vary on credit score)
Savings SecuredUp to 60 months13.00% + Savings Rate
Certificate SecuredUp to length of CD13.00% + CD Rate
Signature Loan*Up to 48 Months100006.99%
Lines of Credit (Kwik Cash)^Revolving250013.9%
No Annual Fee
Overdraft Credit (PAL)^Revolving250015.9%
No Annual Fee
VISA CardRevolvingOpen0% Introductory Rate

Real Estate/Home Equity LoansTerms/LimitsRates as Low as
Home Equity**^Line of Credit5.24% 
Second Mortgage ***10 Year Fixed Rate4.74% 
Second Mortgage ***15 Year Fixed Rate5.99% 
First Mortgage Refinance ^^10 Year Fixed Rate2.99%
First Mortgage Refinance ^^15 Year Fixed Rate3.24%
First Mortgage Refinance ^^20 Year Fixed Rate3.49%

All rates are based on APR (annual percentage rate). Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.

* $1,000 new money required
** The annual percentage rate (APR) is based on the value of an index. The index is -.01 from the Prime Rate published in the Wall Street Journal with a floor of 3.99% for a home equity line of credit (HELOC) with a loan to value ratio of 60% or less. Minimum advance for existing HELOC is $500.
***Lowest possible rate for a second mortgage requires a loan to value ratio of 80% or less of assessed value. $5,000 new money required. Other rates and terms available.
^^ Lowest possible rate for a first mortgage requires a loan to value ratio of 70% or less. $10,000 new money required. Other rates and terms available.
^ Finance charges begin to accrue from the date of posting. Existing lines of credit can be disbursed without delay