Invest In America Campaign

Scottie Savers Club

Loan Rates

Loan Rates are effective as of June 24, 2010 and can change at any time
  Term¹ Annual Percentage Rates³
Beacon Credit Score: 720-Above 680-719 640-679 600-639² 599-Below²
New and Nearly New Autos (Years 2010/2009/2008) 
Years 2010-2008 24 months 4.50% 4.75% 5.50% 9.50% 18.00%
Years 2010-2008 36 months 4.50% 5.00% 5.75% 9.50% 18.00%
Years 2010-2008 48 months 4.75% 5.00% 5.75% 10.00% 18.00%
Years 2010-2008 60 months 4.75% 5.00% 6.00% 10.25% 18.00%
Years 2010-2008 72 months 5.50% 5.75% 7.00% 10.50% N/A%
New only; $25,000 min. 84 months 6.75% 7.00% 7.50% 11.00% N/A%
Used Autos
Years 2007-2004 1-36 months 4.75% 5.25% 6.25% 10.50% 18.00 %
Years 2007-2004 37-48 months 5.00% 5.50% 6.25% 10.75% 18.00 %
Years 2007-2004 49-60 months 5.25% 5.75% 6.25% 11.00% 18.00 %
Years 2003-2001 0-48 months 6.25% 6.75% 8.25% 11.50% 18.00 %
Years 2000-older (Trade value) 0-36 months 7.25% 7.75% 9.25% 12.50% 18.00 %
Classic Cars  
Restored and 75% of appraisal     60 months 6.50% 7.00% 8.50% 11.25% N/A%
All Recreation Vehicles 
2010-2005 36 months 5.00% 5.25% 6.00% 9.25% 18.00 %
  48 months 5.50% 6.00% 6.75% 9.25% 18.00 %
  60 months 5.75% 6.25% 7.00% 9.75% 18.00 %
*84 mo-Boats, Campers & Motorhomes only 84 months* 6.00% 6.50% 7.25% 9.75% 18.00 %
*120 mo-Motorhomes only 120 months** 6.00% 6.50% 7.25% 10.25% 18.00 %
All Recreation Vehicles 
2004-2001  36 months 6.25% 6.75% 7.50% 10.50% 18.00 %
  48 months 6.75% 7.25% 8.00% 10.50% 18.00 %
  60 months 7.00% 7.50% 8.25% 11.00% 18.00 %
All Recreation Vehicles 
2000-Older 36 months 6.75% 7.25% 8.00% 11.00% 18.00 %
  48 months 7.00% 7.50% 8.25% 11.00% 18.00 %
Personal Loans 
Unsecured 36 months 10.00% 11.50% 12.00% N/A N/A
Share-secured 95% of balance 6.50% 6.50% 6.50% 6.50% 6.50%
Certificate-secured 95% of balance Rate+2% Rate+2% Rate+2% Rate+2% Rate+2%
Credit Cards 
Visa® Classic $8,000 max. 13.68% 13.68% 13.68% 13.68% 13.68%
Visa® Platinum $15,000 max. 6.90% N/A N/A N/A N/A
Ready Reserve 
$100-$1,000 $40 min. payment    18.00% 18.00% 18.00% 18.00% 18.00%

¹ Any vehicle with 100,000 miles plus can have a maximum term of 36 months
² Beacon scores of 639 or less can finance NADA loan value or 20% of purchase price, whichever is less
³ 0.5% discount applies if four of the following services are used: Share Draft Account, Visa® Credit Card, Advantage Check Card, Direct Deposit or Payroll Deduction, IRA Account, Share Certificate, Mortgage Loan or another Consumer Loan.
60 Monthly payments of $19.57 per $1,000 borrowed at an Annual Percentage Rate of 6.50%

Contact us for more information about our rates here

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