Loan Rates

Loan Rates Effective June 1st, 2026

Auto Loan Rates

Term	New Auto APR* As Low As	Used Auto APR** As Low As
0-35 Months	4.75%*	5.75%**
36-59 Months	5.25%*	6.00%**
60-75 Months	5.75%*	6.25%**
76-84 Months	6.25%*	6.75%**

*A new auto loan of $20,000.00 for 60 months @ 5.75% APR may have a monthly payment of $385.20.

**A used auto loan of $20,000.00 for 60 months @ 6.25% APR may have a monthly payment of $389.94.

Snowmobile, ATV, Jet Ski and/or Motorcycle Loan Rates

Term	New Snowmobile, ATV, Jet Ski and/or Motorcycle APR* As Low As Discounted rates until June 30th, 2026! EXTENDED until July 31st!	Used Snowmobile, ATV, Jet Ski and/or Motorcycle APR** As Low As Discounted rates until June 30th, 2026! EXTENDED until July 31st!
12-36 Months	4.50%*  2.99%*	5.00%**  3.49%*
37-48 Months	5.00%*  3.49%*	5.50%**  3.99%*
49-60 Months	5.50%*  3.99%*	6.00%**  4.49%*
61-72 Months (greater than $20,001)	6.00%*  4.49%*	6.50%**  4.99%*
73-84 Months (greater than $25,001)	6.50%*  4.99%*	7.00%**  5.49%*

*A new Snowmobile/ATV/Jet Ski/Motorcycle loan of $12,000.00 for 48 months @ 5.00% APR may have a monthly payment of $276.89.

**A used Snowmobile/ATV/Jet Ski/Motorcycle loan of $12,000.00 for 48 months @ 5.50% APR may have a monthly payment of $279.68.

Boats/Campers/Motorhome Loan Rates

Term	New Boats/Campers/Motorhomes APR* As Low As Discounted rates until June 30th, 2026! EXTENDED until July 31st!	Used Boats/Campers/Motorhomes APR** As Low As Discounted rates until June 30th, 2026! EXTENDED until July 31st!
12-36 Months	5.00%*  3.49%*	5.50%** 3.99%*
37-72 Months	5.50%*  3.99%*	6.00%** 4.49%*
73-108 Months (greater than $20,001)	6.00%* 4.49%*	6.50%** 4.99%*
109-144 Months (greater than $25,001)	6.50%* 4.99%*	7.00%** 5.49%*
145-180 Months (greater than $30,001)	7.00%*  5.49%*	7.50%** 5.99%*

*A new Boat/Camper/Motorhome loan of $25,500 for 144 months @ 6.50% may have a monthly payment of $256.18.

**A used Boat/Camper/Motorhome loan of $25,500 for 144 months @ 7.00% may have a monthly payment of $262.99.

Consumer Loan Rates

Loan Type	Max Term	APR* As Low As
Personal Loans	72 Month	9.25% - 10.50%*
Secured Loans	84 Month	7.75% - 18.00%*
Debt Consolidation	60 Month	13.50%-18.00%*
Home Improvement	120 Month	8.00%-11.00%*
Share/Certificate Secured	2.00% above Share/Certificate Rate

A personal loan of $5,000.00 for 36 months @ 9.25% APR may have a monthly payment of $160.20.

Credit Card Rates

Card	APR* As Low As	Payment
VISA Credit Card	7.9%-17.9%	3% of balance

(For new accounts, balance transfers, cash advances and purchases)

Visa Credit Card Disclosure

Mortgage Loan Rates

Type	Term	APR* As Low As
Home Equity Loan	Various terms available	5.875%*
Home Equity Line of Credit	1-Year Introductory Rate	6.625%*
Mortgage Loans	Various rates and terms available	Please contact us for current rates

Special Financing Options

Loan	Term	APR* As Low As
Fuel Loan Special	12 Months	7.9%*

A fuel loan of $1,500 for 12 months @ 7.9% APR may have a monthly payment of $130.42.

Borrowers may be eligible to receive up to 1.00% off the above rates depending on the number of UFirst products/services that are used. Ask a Loan Officer for more details. ***

*Your rate may vary from the above rates and will be determined by your credit history.

**APR is the Annual Percentage Rate.

***Relationship pricing of up to 1% does not apply to certain specials.

Rates Subject To Change By Board Of Directors. Fees may reduce earnings.