Loan Rates

LOAN TYPE
Current or prior calendar year with less than 7,500 miles

MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, and GAP.

Loan Payment Example: $21.58 per month per $1,000 borrowed at 1.74% APR for 48 months

² Minimum loan amount $2,500  | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 | ⁷ Term available for tiers 1 through 4 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

LOAN TYPE
10 model years or newer only (200,000 miles or more for a 60-month term)

MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of KBB “retail” value (no like book values accepted). Not to exceed documented purchase price. Includes sales tax, license fee and GAP.

Loan Payment Example: $21.58 per month per $1,000 borrowed at 1.74% APR for 48 months

² Minimum loan amount $2,500 | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 | ⁷ Term available for tiers 1 through 4 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.

Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)

Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months

² Minimum loan amount $2,500 |  ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 |
⁷ Minimum loan amount $35,000 | ⁸ Minimum loan amount $50,000 | ⁹ Term available for tier 1 through 3 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

LOAN TYPE
15 model years or newer

MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.

Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)

Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months

² Minimum loan amount $2,500 | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 |
⁷ Minimum loan amount $35,000 | ⁸ Minimum loan amount $50,000 | ⁹ Term available for tier 1 through 3 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

LOAN TYPE
Savings Secured, Certificate, Double Dollars

MAXIMUM AMOUNT
$50,000, $50,000, $10,000

Loan Payment Example:
Savings Secured: $17.97 per month per $1,000 borrowed at 3.00% APR for 60 months
Certificate: $17.97 per month $1,000 borrowed at 3.00% APR for 60 months
Double Dollar: $21.49 per month per $1,000 borrowed at 10.50% APR for 60 months

Information accurate as of October 1st, 2021.

LOAN TYPE
Signature, Quick Loans

MAXIMUM AMOUNT
$25,000, $3,000

Loan Payment Example:
Signature: $31.91 per month per $1,000 borrowed at 9.24% APR for 36 months
Quick Loan: $87.57 per month per $1,000 borrowed at 9.25% APR for 12 months

Information accurate as of October 1st, 2021.

*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.

Information accurate as of October 1st, 2021.

• Visa Terms and Conditions

• • VISA Credit Card Agreement

LOAN TYPE
Current or prior calendar year with less than 7,500 miles

MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.

Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months 4

² Minimum loan amount $2,500 | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 |  ⁶ Minimum loan amount $15,000 |
⁷ Minimum loan amount $35,000 | ⁸ Minimum loan amount $50,000 |⁹ Term available for tiers 1 – 3 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of  October 1st, 2021.

LOAN TYPE
15 model years or newer only

MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.

Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months

² Minimum loan amount $2,500 | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 |
⁷ Minimum loan amount $35,000 | ⁸ Minimum loan amount $50,000 |⁹ Term available for tiers 1 – 3 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.

Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months

² Minimum loan amount $2,500 | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 |
⁷ Minimum loan amount $25,000 | ⁸ Minimum loan amount $50,000 | ⁹ Term available for tiers 1 through 3 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

LOAN TYPE
15 model years or newer

MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.

Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months

² Minimum loan amount $2,500 | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 |
⁷ Minimum loan amount $25,000 | ⁸ Minimum loan amount $50,000 | ⁹ Term available for tiers 1 through 3 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

LOAN TYPE
Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.

MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000

Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months

² Minimum loan amount $2,500 | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 |
⁷ Minimum loan amount $35,000 | ⁸ Minimum loan amount $50,000 |⁹ Term available for tiers 1 – 3 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

LOAN TYPE

15 model years or newer. Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.

MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000

Loan Payment Example: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months

² Minimum loan amount $2,500 | ⁴ Minimum loan amount $7,500 | ⁵ Minimum loan amount $10,000 | ⁶ Minimum loan amount $15,000 |
⁷ Minimum loan amount $35,000 | ⁸ Minimum loan amount $50,000 |⁹ Term available for tiers 1 – 3 only

*All rates and terms are dependent on credit worthiness.

Information accurate as of October 1st, 2021.

Rates are based on the following assumptions:

Conforming Loans: $300,000 loan amount and 20% down payment (net equity) with a 740 or better qualifying credit score.
Non Conforming Loans: $850,000 loan amount and 20% down payment with a 740 or better qualifying credit score.

Note that the rates and/or fees may be higher based upon your credit score.

Home Equity Line of Credit: $100,000

Discount Points = 0

APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.

Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.

Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate. The Rate and Payment quotes listed above are based upon the above assumptions.

Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.

The conforming loan limit for 2021 is $548,250.  A non conforming loan amount is based on a loan amount exceeding the maximum designated conforming limit by the Federal Housing Finance Authority (FHFA).

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.

*Rates as of January 24, 2022.

Our Home Equity FlexLOC* is a variable-rate home equity line of credit that allows you to take either your entire balance or a portion of your balance and transfer that amount into a fixed rate loan at no cost. That means you can spend your money, how you want.

Maximum Amount: $250,000

Rates posted are based on the following assumptions:

A combined loan-to-value of 80% or less and a minimum credit score of 740.

Note that the rates and/or fees may be higher based upon credit score and line amount.
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan based on the loan rate and some fees.

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.

Information accurate as of October 28, 2021.

Our Home Equity FlexLOC* is a variable-rate home equity line of credit that allows you to take either your entire balance or a portion of your balance and transfer that amount into a fixed rate loan at no cost. That means you can spend your money, how you want.

Maximum Amount: $250,000

Rates posted are based on the following assumptions:

A combined loan-to-value of 80% or less and a minimum credit score of 740.
Fixed Rate Conversions reflect a minimum credit score of 780.

Note that the rates and/or fees may be higher based upon credit score and line amount.
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan based on the loan rate and some fees.

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.

Information accurate as of October 28, 2021.