Rates

Loan Rates Deposit Rates Certificate Rates

Rates as of: January 1, 2014
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
Model Year% DownFixed APRMaximum Term
2013s (less than 5,000 miles)01.99*up to 60 months
02.49*up to 72 months
02.99*73-84 months > $25k
*Rates determined at the time of application, based on credit qualifications.
Used Auto Loans
Model YearFixed APRMaximum Term
2013-12 Retail Value2.49*Up to 72 months > $15K
2013-12 Retail Value1.99*60 months
2011-10 Retail Value2.99*72 months
2011-09 Retail Value2.49*60 months
2008-05 Retail Value2.99*48 months
*Rates determined at the time of application, based on credit qualifications.
Motorcycle (licensed) / ATV / Snowmobile / Personal Watercraft
Model Year% DownFixed APRMaximum Term
New 2013-1410%2.99*60 months
New 2013-1410%3.49*72 months
New 2013-1410%3.99*84 months > $20K
2013-12 90% Retail10%3.49*60 months
2013-12 90% Retail10%3.99*72 months > $15k
2011-09 90% Retail10%3.99*60 months
2011-09 90% Retail10%4.49*72 months > $15k
2008-05 90% Retail10%4.49*48 months
2008-05 90% Retail10%4.99*60 months > $10k
*Rates determined at the time of application, based on credit qualifications.
Boats and RVs
Model Year% DownFixed APRMaximum Term
New10%4.99*Up to 60 months fixed
New0%5.99*Variable up to 180 months
2013-12 Retail0%6.49*Terms vary
2011-09 Retail0%6.99*Terms vary
2008-04 Retail0%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
Loan TypeBorrowing PowerVariable APRFixed APRTerm
Home Equity Line of Credit80%3.25N/AN/A
Open End Equilink Visa80%3.25N/A
Closed End Equity Loans80%3.252.99*36 months
Closed End Equity Loans80%3.252.99*60 months
Closed End Equity Loans80%3.253.99*61-120 months closed end
Closed End Equity Loans, more than $30k80%3.254.99*121 to 180 months
Closed End Equity Loans81-90%3.253.99*60 months
Closed End Equity Loans81-90%3.254.99*61-120 Months
Closed End Equity Loans, more than $30k81-90%3.255.99*121-180 months
Quick DrawN/A6.49*Up to 60 months
Ready CashN/A10.99-12.96
Visa GoldN/A11.88-12.96
VISA Platinum PreferredN/A7.8-9.96
Secured VISAN/A15.96
Shared Secured (0 suffix)N/A3.10
Paylink Line of CreditN/A18.00Balance due in 30 days
*All rates, programs and terms are subject to change without notice. Borrowing power based on credit qualifications.
Education Loans
Loan Type(Variable APR) (Fixed) (Term)
Education Advantage Loan EALN/A8.99-10.99*Term
 
Tuition Link, Private Education Loans
Loan Type (Variable APR) (Fixed) (Term)
Undergraduate Tuition5.50%**N/A up to 15 years
Graduate Tuition5.50%**N/A up to 15 years
K-12 Tuition5.50%**N/A 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$h10.99 -12.96Open End
Signature Rates as low as:10.99*36 months
Share Secured3.2536 months
All rates, programs and terms are subject to change without notice. For a Ready Ca$h Disclosure, click on Loan Application. Rates determined at the time of application, based on credit qualifications.