Loan Rates

All APRs reflect the lowest available rates
Loan Type	3 year	4 year	5 year	6 year	7 year	10 year	12 year	15 year
Auto¹	5.63%	5.69%	5.86%	6.59%	7.21%	-	-	-
Auto Lease	Contact your branch or call us at 1.800.322.2709 for more information and help finding your next vehicle.
Boat²	-	6.56%	6.73%	6.84%	7.06%	7.36%	7.54%	7.95%
Motor Home & Travel Trailer²	-	6.94%	7.11%	7.23%	7.44%	7.65%	7.84%	7.88%
Motorcycle, Jet Ski, ATV & Pop-up Camper²	7.46%	7.52%	7.71%	7.84%	-	-	-	-
Home Equity	6.67%	6.94%	7.36%	7.54%	7.58%	7.82%	-	7.98%
Home Equity Line of Credit	Rate as low as 7.50% until 12/31/24. After 12/31/24, the rate will be based on WSJ Prime + 2.5% or + 3.5%. Your rate will depend on your credit history. No application fee. Interest only during the draw period. Maximum APR 18%. Minimum loan advance $4,000.
Advancial Assistance³	6.67%	6.94%	7.36%	7.54%	7.58%	-	-	-
Stock-Secured	5.97%	6.46%	6.69%	-	-	-	-	-
Signature⁴	Rates as low as 9.90%
True Line of Credit	Rates as low as 9.90%. The term of these loan types is open-ended.
Savings-Secured⁴	Savings-Secured Loans are quoted at 2% above the deposit account pledged as collateral
Student	Student loan rate is prime + 1% which changes July 1 of every year

All loan rates current as of 4/23/2025 CST. All loans subject to approval. Rates, terms and conditions are subject to change without notice. APR = Annual Percentage Rate. All advertised as low as APR (Annual Percentage Rate) assume excellent borrower credit history. Your actual APR may be higher than the rate shown and will depend on your credit history and credit transaction. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.

PAYMENT EXAMPLES
Monthly payment amounts vary by loan term and rate. Contact us or apply online to have us calculate your rate. Payment example is for educational purposes only and may not reflect our current or actual loan rate offers or available percentage rates.

Auto: For example, a loan amount of $40,000 over 60 months at an APR of 5.86% would yield a payment of $770.71.

Motor Home & Travel Trailer: For example, a loan amount of $50,000 over 84 months at an APR of 7.44% would yield a payment of $765.43.

Motorcycle, Jet Ski, ATV & Pop-up Camper: For example, a loan amount of $20,000 over 60 months at an APR of 7.71% would yield a payment of $402.76.

Home Equity: For example, a loan amount of $50,000 over 120 months at an APR of 7.82% would yield a payment of $601.89.

Advancial Assistance: For example, a loan amount of $10,000 over 60 months at an APR of 7.36% would yield a payment of $199.71.

Stock-Secured: For example, a loan amount of $10,000 over 60 months at an APR of 6.69% would yield a payment of $196.55.

¹ Advertised as low as APR includes a discount of 0.25% APR for enrollment in automatic loan payments. For classic cars (25+ years) add 1.00% to the advertised rate. Loans subject to the collateral’s MSRP or NADA Retail value at the time of the loan and loan rate may be adjusted up to 0.50% lower or higher based on the final loan-to-value amount. MSRP or NADA Retail value greater than $20,000 required for 6-year automobile terms and greater than $35,000 for 7-year automobile terms.

² Advertised as low as APR includes a discount of 0.25% APR for enrollment in automatic loan payments. Loans subject to the collateral’s MSRP or NADA Retail value at the time of the loan and loan rate may be adjusted up to 0.50% lower or higher based on the final loan-to-value amount.

³ Maximum loan amount of $20,000. Documented proof of loss or purchase of preventative measures may be required. Loan funding is dependent upon loan approval of and review of submitted documents such as (1) copy of a submitted FEMA application, (2) copy of a submitted insurance claim, (3) photos of property damage, (4) copy of contractor’s bid to repair damages or (5) purchase order or invoice for a preventative improvement, including but not limited to a storm cellar, a hardwired generator or storm windows.

⁴ Repayment terms vary. Contact us for more information on available repayment terms.