Rates

Auto Loans - Cars, Trucks, SUVs & Vans years 2013-2022

Term	Rate/APR as low as*
0 - 35 Months	1.99%
36 - 59 Months	2.24%
60- 83 Months	2.74%
84- 120 Months	4.74%

Auto Loan Rates Effective 10/01/2021.

Borrowers may receive up to a 0.25% rate reduction for setting up direct deposit of their paycheck to Advanz and/or up to a 0.25% rate reduction for enrollment in Auto Payment of the loan. The total rate reduction may not result in a rate lower than the best possible floor rate available to A+ credit borrowers at a 24-month term and will not be reduced further with any other offers.

Autos that are older than ten model years old will be priced at Personal Loan rates.

Contact us for Classic Car rates and terms.

Toy Loans - Motorcycles years 2013-2022

Term	Rate/APR as low as*
0 - 35 Months	2.99%
36 - 59 Months	3.24%
60- 83 Months	3.74%
84- 120 Months	5.74%

Motorcycle Loan Rates Effective 10/01/2021.

Borrowers may receive up to a 0.25% rate reduction for setting up direct deposit of their paycheck to Advanz and/or up to a 0.25% rate reduction for enrollment in Auto Payment of the loan. The total rate reduction may not result in a rate lower than the best possible floor rate available to A+ credit borrowers at a 24-month term and will not be reduced further with any other offers.

Motorcycles that are older than ten model years old will be priced at Personal Loan rates.

Toy Loans - Boats, Trailers, Jet Skis, Campers & RVs years 2013-2022

Term	Rate/APR as low as*
0 - 35 Months	4.24%
36 - 59 Months	4.49%
60- 83 Months	4.99%
84- 120 Months	6.99%

Boat, Trailer, Jet Ski, Camper & RV Loan Rates Effective 04/01/2021.

Borrowers may receive up to a 0.25% rate reduction for setting up direct deposit of their paycheck to Advanz and/or up to a 0.25% rate reduction for enrollment in Auto Payment of the loan. The total rate reduction may not result in a rate lower than the best possible floor rate available to A+ credit borrowers at a 24-month term and will not be reduced further with any other offers.

Boats, Trailers, Jet Skis, Campers & RVs that are older than ten model years old will be priced at Personal Loan rates.

Toy Loans - ATVs & UTVs (new only)

Term	Rate/APR as low as*
0 - 35 Months	4.99%
36 - 59 Months	5.24%
60- 83 Months	5.74%
84- 120 Months	7.74%

ATV & UTV Loan Rates Effective 10/01/2021.

Borrowers may receive up to a 0.25% rate reduction for setting up direct deposit of their paycheck to Advanz and/or up to a 0.25% rate reduction for enrollment in Auto Payment of the loan. The total rate reduction may not result in a rate lower than the best possible floor rate available to A+ credit borrowers at a 24-month term and will not be reduced further with any other offers.

Used ATVs & UTVs will be priced at Personal Loan rates.

Home Loans/First Mortgages

Term	Rate/APR as low as*
7 Year	2.45%
10 Year	2.50%
12 Year	2.60%
15 Year	2.70%
20 Year	3.00%
30 Year	3.50%

Home Loan/First Mortgage Rates Effective 08/01/2021.

All Home Loan rates based on 80% Loan to Value (LTV) unless otherwise stated and must be a First Mortgage.

Home Equity Loans/Second Mortgages

Term	Rate/APR as low as*
5 Year	3.625%
10 Year	3.75%
15 Year	4.20%

Home Equity Loan/Second Mortgage Rates Effective 08/01/2021.

HELOCs (Home Equity Lines of Credit)

Term	Rate/APR as low as*
Up to 20 years	3.25%

 HELOC Rates Effective 04/06/2020.

Interest only for the first five (5) years. Up to 90% Loan-to-Value (LTV).

Prime is defined as the "US Prime Rate - Latest" published under "Interest Rates" in the Wall Street Journal, or 3.25% - whichever is greater. Existing loans are subject to rate change quarterly. Actual rates may vary and are based on a credit score and repayment term.

Personal, Vacation & Holiday Loans

Loan Type & Loan Amount	Rate/APR as low as*
Personal Loans Up to $10,000	9.99%
Vacation & Holiday Loans Up to $2,000	6.90%

Personal, Vacation & Holiday Loan Rates Effective 09/17/2020.

Share Secured Loans

Term	Rate/APR as low as*
15 Years	Share rate plus 3.00%

Share Secured Rate Effective 07/21/2010.

If the Share Rate is tiered, the highest rate determines the Loan Rate.

Certificate Secured Loans

Term	Rate/APR as low as*
15 Years	Certificate rate plus 3.50%

Certificate Secured Rate Effective 02/01/2010.

Credit Cards

Term	Rate/APR as low as*
Fixed	9.90%

Credit Card Rate Effective 01/01/2018.

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Call the Main Office at (502) 429-4955 or (800) 288-5228 for current rates.

Loan example: $20,000 for 48 months at 3.24% annual percentage rate would yield a $444.85 per month payment or approximately $22.25 per $1,000 borrowed.