Rates

Auto Loans - Cars, Trucks, SUVs & Vans years 2016-2025

Term	Rate/APR as low as*
0 - 35 Months	5.24%
36 - 59 Months	5.24%
60- 83 Months	5.49%
84- 120 Months	8.24%

Auto Loan Rates Effective 07/01/2025.

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 2016-2025

Term	Rate/APR as low as*
0 - 35 Months	6.24%
36 - 59 Months	6.24%
60- 83 Months	6.49%
84- 120 Months	9.24%

Motorcycle Loan Rates Effective 07/01/2025.

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 2016-2025

Term	Rate/APR as low as*
0 - 35 Months	7.24%
36 - 59 Months	7.24%
60- 83 Months	7.49%
84- 120 Months	10.24%

Boat, Trailer, Jet Ski, Camper & RV Loan Rates Effective 07/01/2025.

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	8.24%
36 - 59 Months	8.24%
60- 83 Months	8.59%
84- 120 Months	11.24%

ATV & UTV Loan Rates Effective 01/01/2025.

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	5.600%
10 Year	5.750%
12 Year	5.800%
15 Year	5.800%
20 Year	6.000%
30 Year	6.500%

Home Loan/First Mortgage Rates Effective 07/01/2025.

All Home Loan rates based on 80% Loan to Value (LTV) unless otherwise stated and must be a First Mortgage. NMLS #429924.

Home Equity Loans/Second Mortgages

Term	Rate/APR as low as*
5 Year	5.70%
10 Year	6.45%
15 Year	6.70%

Home Equity Loan/Second Mortgage Rates Effective 07/01/2025. NMLS #429924.

HELOCs (Home Equity Lines of Credit)

Term	Rate/APR as low as*
Up to 20 years	Prime Rate

 HELOC Rates Effective 11/01/2022.

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. NMLS #429924.

Unsecured Loans

Loan Type & Amount	Rate/APR as low as*
Personal Loans Up to $10,000	10.99%
Vacation & Holiday Loans Up to $2,000	7.90%

Personal, Vacation & Holiday Loan Rates Effective 10/01/2023.

Secured Loans

Loan Type & Term	Rate/APR as low as*
Share Secured Loans Up to 15 Years	Share rate plus 3.00%
Certificate Secured Loans Up to the maturity date of the certificate	Certificate rate plus 3.50%

Share Secured Rate Effective 07/21/2010.

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

Certificate Secured Rate Effective 02/01/2010.

Credit Builder Loans

Loan Amount & Term	Rate/APR as low as*
Borrow $1,000-$1,500 for up to 12 months	Based on Personal Loan rates - Contact Us for current rates

*Loan amounts from $1,000-$1,500. Loan disbursement is deposited into member’s share account and a hold is placed on those funds. Members will make regular monthly payments to the loan at an interest rate that is the same as the personal loan rate for B-tier rated credit borrowers for a term of twelve (12) months. Members are only allowed one (1) Credit Builder Loan at a time. If the loan is paid off prior to the term, member must wait at least three (3) months from the payoff date before applying for a new Credit Builder Loan. If the loan is over 30 days delinquent, the funds will be transferred from the member’s share account to pay the loan in full.

Credit Cards

Term	Rate/APR as low as*
Fixed	9.90%

Credit Card Rate Effective 11/01/2022.

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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.