Rates

Loan Rates Deposit Rates Certificate Rates


Effective as of: February 2, 2015
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
2015 and 2014s (less than 5,000 miles)
% DownFixed APRMaximum Term
0%1.99*up to 60 months
0%2.49*up to 72 months
0%2.99*73-84 months > $25k
*Rates determined at the time of application, based on credit qualifications.
Used Auto Loans
Model YearFixed APRMaximum Term
2014-13 Retail Value2.49*Up to 72 months > $15K
2014-13 Retail1.99*60 months
2012-11 Retail Value2.99*72 months
2012-10 Retail Value2.49*60 months
2009-06 Retail Value2.99*48 months
*Rates determined at the time of application, based on credit qualifications.
Motorcycle (licensed) / ATV / Snowmobile / Personal Watercraft
New 2014-15
% DownFixed APRMaximum Term
10%2.99*60 months
10%3.49*72 months
10%3.99*84 months > $20K
2014-13 90% Retail
% DownFixed APRMaximum Term
10%3.49*60 months
10%3.99*72 months > $15k
2012-10 90% Retail
Model YearFixed APRMaximum Term
10%3.99*60 months
10%4.49*72 months > $15k
2009-06 90% Retail
Model YearFixed APRMaximum Term
10%4.49*48 months
10%4.99*60 months > $10k
*Rates determined at the time of application, based on credit qualifications.
Boats and RVs
New
% DownFixed APRMaximum Term
10%4.99*Up to 60 months fixed
0%5.99*Variable up to 180 months
2014-13 Retail
% DownFixed APRMaximum Term
0%6.49*Terms vary
2012-10 Retail
% DownFixed APRMaximum Term
0%6.99*Terms vary
2009-05 Retail
% DownFixed APRMaximum Term
0%7.99*Terms vary
*Rates determined at the time of application, based on credit qualifications.
First Mortgage Loans
For current rate information, call CODE at 937-222-8971 and ask to speak with a Mortgage Loan Officer or click on e-mail to tell us how we can assist you.
Home Equity Loans
Home Equity Line of Credit (80% Borrowing Power)
Variable APRFixed APRTerm
3.25N/AN/A
Open End Equilink Visa (80% Borrowing Power)
Variable APRFixed APRTerm
3.25N/AN/A
Closed End Equity Loans
(80% Borrowing Power)
Variable APRFixed APRTerm
3.252.99*36 months
3.252.99*60 months
3.253.99*61-120 months closed end
(81 - 90% Borrowing Power)
Variable APRFixed APRTerm
3.253.99*60 months
3.254.99*61-120 Months
More than $30k (80% Borrowing Power)
Variable APRFixed APRTerm
3.254.99*121 to 180 months
More than $30k (81 - 90% Borrowing Power)
Variable APRFixed APRTerm
3.255.99*121-180 months
Quick Draw
6.49*Up to 60 months
*All rates, programs and terms are subject to change without notice. Borrowing power based on credit qualifications.
Education Loans
Loan Type (Fixed) (Term)
Education Advantage Loan EAL8.99-10.99*Term
 
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 1, 2012.
Personal Loans
Loan TypeFixed APRMaximum Term
Ready Ca$h10.99 -12.96Open End
Visa Gold11.88-12.96
VISA Platinum Preferred7.8-9.96
Secured VISA15.96
Paylink Line of Credit18.00Balance due in 30 days
Signature Rates as low as:10.99*36 months
Share Secured3.2536 months
Shared Secured (0 suffix)3.10
All rates, programs and terms are subject to change without notice. For a Ready Ca$h Disclosure, click on Loan Application. Rates determined at the time of application, based on credit qualifications.