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Effective 12/12/2022

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New Vehicles 2021-2022 Models
Score 48 Mos. 60 Mos. 72 Mos. 84 Mos.**
A+ = 750+ 4.00% 4.50% 5.00% 5.50%
A = 680-749 4.50% 5.00% 5.50% 6.00%
B = 640-679 5.50% 6.00% 6.50% 7.00%
C = 600-639 7.50% 8.00% 8.50% 9.00%
D = 550-599 9.50% 10.00% 10.50% 11.00%
E = 549- 14.50% 15.00% 15.50% 16.00%
*APR = Annual Percentage Rate
**Minimum $20,000

Used Vehicles
Year A+
750+
A
680-749
B
640-679
C
600-639
D
550-599
E
549-
<2012 
48 Mos.
6.00% 6.50% 7.50% 9.50% 13.00% 18.00%
<2012 
60 Mos.
6.50% 7.00% 8.00% 10.00% 13.50% 18.00%
2013-2015 
48 Mos
5.50% 6.00% 7.00% 9.00% 12.50% 18.00%
2013-2015 
60 Mos
5.75% 6.25% 7.25% 9.25% 12.75% 18.00%
2016-2018 
60 Mos
5.50% 6.00% 7.00% 9.00% 12.50% 18.00%
2016-2018 
72 Mos
5.25% 5.75% 6.75% 8.75% 12.25% 17.75%
2019-2022
60 Mos
5.00% 5.50% 6.50% 8.50% 12.00% 17.50%
2019-2022
72 Mos
5.50% 6.00% 7.00% 9.00% 12.50% 18.00%
2019-2022
84 Mos
5.75% 6.25% 7.25% 9.25% 12.75% 18.00%
*APR = Annual Percentage Rate

Motorcycle / Boat
Score < 2013
60 Mos.
2014- 2015
66 Mos.
2016 - 2018
70 Mos.
2019 - 2020
72 Mos.
2021 - 2022
84 Mos.**
A+ = 750+ 8.50% 8.00% 7.75% 7.50% 7.00%
A = 680-749 9.00% 8.50% 8.25% 8.00% 7.50%
B = 640-679 10.00% 9.50% 9.25% 9.00% 8.50%
C = 600-639 12.00% 11.50% 11.25% 11.00% 10.50%
D = 550-599 15.50% 15.00% 14.75% 14.50% 14.00%
E = 549- 18.00% 18.00% 18.00% 18.00% 18.00%
*APR = Annual Percentage Rate
** 84 Month - Minimum $20,000

New RV / Campers / 4-Wheelers / ATVs
Score 60 Mos. 84 Mos.
A+ = 750+ 9.00% 10.00%
A = 680-749 9.50% 10.50%
B = 640-679 10.50% 11.50%
C = 600-639 12.00% 13.00%
D = 550-599 14.50% 15.50%
E = 549- Do Not Qualify

Used RV / Campers / 4-Wheelers / ATVs
Score 60 Mos. 84 Mos.
A+ = 750+ 10.25% 10.50%
A = 680-749 10.75% 11.00%
B = 640-679 11.75% 12.00%
C = 600-639 13.25% 13.50%
D = 550-599 15.75% 16.00%
E = 549- Do Not Qualify

Personal Loans
Score 24 Mos. 36 Mos. 48 Mos. 60 Mos.
A+ = 750+ 9.00% 9.50% 10.00% 10.25%
A = 680-749 9.50% 10.00% 10.50% 10.75%
B = 640-679 10.50% 11.00% 11.50% 11.75%
C = 600-639 12.00% 12.50% 13.00% 13.25%
D = 550-599 14.50% 15.00% 15.50% 15.75%
E = 549- 18.00% 18.00% 18.00% 18.00%
*APR = Annual Percentage Rate

Loan Promotion / $3000
Score 36 Mos.
A+ = 750+ 5.9%
A = 680-749 5.9%
B = 640-679 6.9%
C = 600-639 9.9%
D = 550-599 13.4%
E = 549- 16.15%

Line of Credit
Score 36 Mos. 60 Mos.
A+ = 750+ - 8.75%
A = 680-749 - 9.00%
B = 640-679 10.00% (at 48 months) -
C = 600-639 11.50% -
D = 550-599 15.00% -
E = 549- 18.00% -

Mortgages
1st Mtg. 2nd Mtg. HELOC
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