Rates

Loan Rates

Rates Effective 8/20/2014

2012, 2013 & 2014 Autos, Pickups & Motorcycles
New Autos, Pickups & Motorcycles
Term Less Than 80% Retail Fixed Rate Greater Than 80% Retail Fixed Rate
36-60 Months- As low as* 2.20% 2.45%
66-72 Months- As low as* 2.54% 2.79%

A loan amount of $16,000 for a new auto with a rate of 2.50% with a maximum term of 60 months will result in a payment of $283.96 and an APR** of 2.50%. No downpayment required. 


Used Autos, Pickups, & Motorcycles
2009, 2010, 2011 Model Years- As low as*
Term Less Than 80% Retail Fixed Rate Greater Than 80% Retail Fixed Rate
48 Months- As low as* 2.35% 2.60%
60 Months - As low as* 2.70% 2.95%
72 Months- As low as* 3.35% 3.60%

2007 & 2008 Model Years- As low as*
Term Less Than 80% Retail Fixed Rate Greater Than 80% Retail Fixed Rate
36 Months- As low as* 3.45% 3.70%
48 Months- As low as* 3.65% 3.90%
60 Months - As low as* 3.85% 4.10%

2006 & Older Model Years- As low as*
Term Less Than 80% Retail Fixed Rate Greater Than 80% Retail Fixed Rate
24 Months - As low as* 4.15% 4.40%
36 Months- As low as* 4.35% 4.60%
48 Months- As low as* 4.70% 4.95%

A loan amount of $16,000 for a used auto with a rate of 3.45% and a maximum term of 36 Months will result in a payment of $468.47 and an APR** of 3.449%. No downpayment required. 


Snowmobilies, ATVs, Dirt Bikes, Etc
New (2012-2014 Models)
Term Less Than 80% Retail Fixed Rate Greater Than 80% Retail Fixed Rate
60 Months* 3.70% 4.80%

Used (2007-2011 Models)
Term Less Than 80% Retail Fixed Rate Greater Than 80% Retail Fixed Rate
48 Months* 5.40% 6.45%

Used (2006 & Older Models)
Term Less Than 80% Retail Fixed Rate Greater Than 80% Retail Fixed Rate
36 Months* 5.85% 6.75%

A loan amount of $5,000 for a snowmobile with a rate of 7.25% with a maximum term of 36 months will result in a payment of $155.26 and an APR** of 7.382%. No downpayment required. 

*Rates subject to credit rating. Contact a loan officer for more details.
**APR = Annual Percentage Rate
***FSB uses N.A.D.A. as a guide to determine value. On model years 2002 and newer, we may finance up to 120% of retail. All rates subject to standard underwriting conditions and change.


Personal Loans
Consumer Loan
Term Less Than 80% Retail Fixed Rate Greater Than 80% Retail Fixed Rate
Up to 36 Months* 10.75% 12.75%

A loan amount of $5,000 for a personal loan with a rate of 10.75% with a maximum term of 36 months will result in a payment of $163.10 and an APR** of 10.75%. No downpayment required.