Loan Rates and Terms

Rates and terms quoted below are subject to change without notice and are effective as of 5/26/2019

VEHICLE LOANS ` Loan Amounts Term APR * Estimated Payment Per $1,000 ^^
New Vehicles


$10,000 +
$15,000 +
$25,000 +

Up to 2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
8 Years
1.74%
3.49%
3.49%
3.49%
3.49%
3.99%
5.74%
$42.43
$29.30
$22.35
$18.19
$15.41
$13.66
$13.02
Used Vehicles


$10,000 +
$15,000 +
$25,000 +

Up to 2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
8 Years
2.24%
3.74%
3.74%
3.74%
3.74%
4.24%
5.99%
$42.65
$29.41
$22.46
$18.30
$15.53
$13.78
$13.14
Classic Vehicles `` $15,000 +
$15,000 +
$15,000 +
$25,000 +
Up to 4 Years
5 Years
6 Years
7 Years
5.74%
5.74%
5.74%
6.24%
$23.37
$19.21
$16.45
$14.72
New Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.74%
4.99%
5.24%
5.49%
$29.85
$23.02
$18.98
$16.33
Used Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
5.24%
5.49%
5.74%
5.99%
$30.08
$23.25
$19.21
$16.57
New Boat/RV

$10,000+
$20,000+
$30,000+
$30,000+
$30,000+
Up to 3 Years
4 Years
5 Years
6 Years
7-10 Years
11-12 Years
13-15 Years
4.24%
4.49%
4.74%
4.99%
5.99%
7.99%
9.99%
$29.63
$22.80
$18.75
$16.10
$14.60
$11.41
$11.47
Used Boat/RV

$10,000+
$20,000+
$30,000+
$30,000+
$30,000+
Up to 3 Years
4 Years
5 Years
6 Years
7-10 Years
11-12 Years
13-15 Years
4.74%
4.99%
5.24%
5.49%
6.49%
8.49%
10.49%
$29.85
$23.02
$18.98
$16.33
$14.84
$11.68
$11.77
New ATV/Power Sports
$5,000+
$10,000+
$10,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.74%
4.99%
5.24%
5.49%
$29.85
$23.02
$18.98
$16.33
Used ATV/Power Sports
$5,000+
$10,000+
$10,000+
Up to 3 Years
4 Years
5 Years
6 Years
5.24%
5.49%
5.74%
5.99%
$30.08
$23.25
$19.21
$16.57
Airplane Loans
$30,000 +
Up to 6 Years
7 - 15 Years
7.50%
7.75%
$17.29
$15.46
SPECIAL PERSONAL LOAN OFFER ` APR * Estimated Payment Per $1,000 ^^
Personal Loan ` ** 3.49% $84.92
PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Debt Consolidation ` ** 8.74% $87.33
Signature Line of Credit ` ^ 9.24% N/A
FIXED-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 9.49% N/A
Visa Gold 10.24% N/A
Visa Classic 11.24% N/A
SECURED LOANS APR * Estimated Payment Per $1,000 ^^
Certificate Secured ** 2.00% above certificate dividend rate% N/A
Share Secured Visa Classic ** 11.49% N/A
VARIABLE-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 8.74% N/A
Visa Gold 8.99% N/A
Visa Classic 9.24% N/A
Engage Rewards Visa Signature 13.24% N/A
* APR = Annual Percentage Rate. Rates quoted are the lowest rates possible for qualified borrowers and are subject to change. Qualification is based on term (as applicable), credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.
` These rates reflect a .25% discount for New/Used/Classic Vehicle, Motorcycle, ATV/Power Sports, Boat, Recreational Vehicle, Personal, Debt Consolidation and Signature Line of Credit Loans. Discount does not apply to Airplane Loans. Available rate discount of .25% for automatic payments from a UNIFY share account. Maximum rate discount is .25% and may not be combined with any other rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details.
`` For loan amounts of $15,000 and above.
^ Variable rate loan, APR may vary after funding. Subject to change without notice.
** Subject to change without notice.
^^ Payments shown are per $1,000 financed. Terms used for payment calculation are as shown. The Personal Loan and Debt Consolidation Loan assumes a 12-month term. Additional terms are available.
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