Rates

Loan Rates Deposit Rates Certificate Rates

Effective as of: January 1, 2019
Variable rate loans are based on the prime rate plus an index adjusted quarterly. CODE provides 100% financing up to the lower of purchase price or NADA Retail Value on new and used vehicles for qualified borrowers. All rates, programs and terms are subject to change without notice.
New Auto Loans
2019 and 2018s (less than 5,000 miles)
% DownFixed APRMaximum Term
0%3.69*up to 63 months
0%4.24*up to 75 months
0%5.24*76-84 months > $25k
*Rates determined at the time of application, based on credit qualifications.
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Used Auto Loans
Model YearFixed APRMaximum Term
2017-18 Retail Value4.44*Up to 75 months > $15K
2017-18 Retail3.84*63 months
2015-16 Retail Value5.39*75 months
2014-16 Retail Value4.79*63 months
2010-13 Retail Value5.49*60 months
*Rates determined at the time of application, based on credit qualifications.
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Motorcycle (licensed) / ATV / Snowmobile / Personal Watercraft
New 2018-19
% DownFixed APRMaximum Term
10%4.84*60 months
10%5.34*72 months
10%5.84*84 months > $20K
2017-18 90 % Retail
% DownFixed APRMaximum Term
10%5.09*60 months
10%5.59*72 months > $15k
2014-16 90% Retail
Model YearFixed APRMaximum Term
10%5.59*60 months
10%6.09*72 months > $15k
2010-13 90% Retail
Model YearFixed APRMaximum Term
10%6.34*48 months
10%7.14*60 months > $10k
*Rates determined at the time of application, based on credit qualifications.
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Boats and RVs
New
% DownFixed APRMaximum Term
10%5.64*Up to 60 months fixed
0%6.39*Up to 60 months fixed
10%5.24*Variable up to 180 months
0%5.99*Variable up to 180 months
2016-18 Retail
% DownFixed APRMaximum Term
0%6.89*Terms vary
2013-15 Retail
% DownFixed APRMaximum Term
0%7.69*Terms vary
2010-12 Retail
% DownFixed APRMaximum Term
0%8.39*Terms vary
*Rates determined at the time of application, based on credit qualifications.
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Mortgage Loans
View Rates or Apply Now
Home Equity Loans
Home Equity Line of Credit (80% Borrowing Power)
Variable APRFixed APRTerm
5.50N/AN/A
Open End Equilink Visa (80% Borrowing Power)
Variable APRFixed APRTerm
5.50N/AN/A
Closed End Equity Loans
(Maximum 80% LTV)
Variable APRFixed APRTerm
5.504.24*36 months
5.504.24*60 months
5.504.99*61-120 months
More than $30k (80% LTV)
5.505.74*121-180 months
(Maximum 90% LTV)
Variable APRFixed APRTerm
5.505.24*60 months
5.505.74*61-120 months
More than $30k (90 % LTV)
5.506.49*121-180 months**
**2nd mortgage only
Quick Draw
Variable APRFixed APRTerm
6.99*Up to 60 months
*All rates, programs and terms are subject to change without notice. Borrowing power based on credit qualifications.
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Education Loans
Loan Type (Fixed) (Term)
Education Advantage Loan EAL8.99-10.99*Up to 60 Months
 
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Tuition Link, Private Education Loans
Loan Type (Variable APR)(Term)
Undergraduate Tuition5.50%**up to 15 years
Graduate Tuition5.50%**up to 15 years
K-12 Tuition5.50%**up to 24 months
**APR =Annual Percentage Rate. APR varies according to the UP Prime Rate. Rates are subject to change. APR's are as low as the rates advertised above. Your APR may vary based upon individual credit profile. Rates are effective December 14, 2016.
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Personal Loans
Loan TypeFixed APRMaximum Term
Ready Ca$h10.99 -12.96Open End
Visa Gold11.88-12.96
VISA Platinum Preferred7.8-9.96
Secured VISA15.96
Simple Visa 8.50 (variable)
Business Visa11.49 (variable)
Signature Rates as low as:7.99*60 months
Whatever Loan as low as:7.99*60 months
Shared Secured (0 suffix)3.1048 months
*All rates, programs and terms are subject to change without notice. For a Ready Ca$h Disclosure, click on Loan Application. Rates determined at the time of application, based on credit qualifications.
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More than 30K (80% Borrowing Power)