Loan Rates

.25% APR* loyalty discount on most loans when you have a checking account, debit card & direct deposit with First Class.

Rates as of 05/21/2026

Note: if viewing on a mobile device, rates are best viewed in landscape (horizontal) layout.

Model YearTerms AvailableAPR*Apply Online
2025 Or NewerUp to 84 MonthsAs low as 4.49%Apply Now!
2024-2022Up to 72 MonthsAs low as 4.99%Apply Now!
2021-2019Up to 72 MonthsAs low as 5.49%Apply Now!
2018 or OlderUp to 48 MonthsAs low as 5.99%Apply Now!
Benefits of our Auto Loans.

Model YearTerms AvailableAPR*Apply Online
2025 or NewerUp to 72 MonthsAs low as 7.25%Apply Now!
2024-2022Up to 72 MonthsAs low as 7.75%Apply Now!
2021-2019Up to 72 MonthsAs low as 8.25%Apply Now!
2018 or OlderUp to 48 MonthsAs low as 8.75%Apply Now!
Explore our Recreational Loans.

Terms AvailableAPR*Apply Online
Up to 120 MonthsAs low as 7.00%Apply Now!
Get more details about our Camper & Trailer Loans.

Loan TypeTerms AvailableAPR*Apply Online
Fixed Rate Home Equity Loan10 YearsAs low as 5.625%Apply Now!
Home Equity Variable Rate Line of Credit N/AAs low as 5.125%Apply Now!
Learn the difference between a Home Equity Loan & Home Equity Line of Credit.

Terms AvailableAPR*Apply Online
15 YearsAs low as 5.875%%Apply Now!
30 YearsAs low as 6.50%Apply Now!
Explore our Variety of Mortgage Loans - Conventional, VA, FHA & USDA

Terms AvailableAPR*Apply Online
Up to 36 MonthsAs low as 8.49%Apply Now!
Up to 48 MonthsAs low as 9.49%Apply Now!
Up to 60 MonthsAs low as 10.49%Apply Now!
Learn how you can use a Personal Loan for consolidation of debt, home/car repairs or smaller home appliance purchases.

Please contact us for current terms and rates. Discover the many uses of a Share Secured Loan.

Terms AvailableAPR*Apply Online
VariesAs low as 9.49%Apply Now!
An all-purpose loan that can also serve as a back-up overdraft protection on your checking account for a minimal fee

*APR = Annual Percentage Rate
• As low as rate may vary based on creditworthiness, qualifications and collateral condition, and includes a loyalty discount of .25% for members with a checking account, debit card, and direct deposit on the date the loan is closed. Loyalty discount cannot be combined with other special rates or offers and is not available on mortgage or home equity loan types.
•Rates subject to change
• Certain restrictions will apply
• Please contact a loan officer for full disclosure information and latest rates

Autos
• Payment example: pay $16.10 per month for 72 months per every $1,000.00 borrowed at 4.99% APR

Fixed Rate Closed End Home Equity Loan
• Payment example: pay $18.36 per month for 60 months per every $1,000.00 borrowed at 3.875% APR
• Payment example: pay $13.61 per month for 84 months per every $1,000.00 borrowed at 3.875% APR
• Payment example: pay $10.07 per month for 120 months per every $1,000.00 borrowed at 3.875% APR

Variable Rate Home Equity Line of Credit
• Payment example: pay $18.59 per month for 60 months per every $1,000.00 borrowed at 4.375% APR
• 60 months to borrow money, 120 months to pay back

Mortgages
• Payment example: pay $4.49 per month for 360 months per every $1,000.00 borrowed at 3.500% APR

Personal Loans
• Minimum of $35.00 for any payment on a Line of Credit


Our branches will be closed on Monday, May 25th for Memorial Day.