Personal Loans

Personal Loans

Unsecured / Undersecured Installment

AmountMax TermRateMaximum Loan to Value
Up to $4,999609.00%100%
$5,000+608.75%100%

Secured Installment

AmountMax TermRateMaximum Loan to Value
Up to $4,999608.50%100%
$5,000+608.25%100%

Loan to Value over 100% use Unsecured/Undersecured installment loan rates.

Direct Auto Loans

Vehicle YearMax TermRate
New / Used 2017 & 2016603.75%
663.90%
724.20%
2015603.90%
724.20%
2014604.10%
724.40%
2013604.25%
724.50%
2012604.90%
2011365.25%
485.75%
54 *6.00%
201048 ** 6.10%
Older than 2010To be financed as a secured personal loan with the vehicle taken as collateral. Recommended not to exceed 36 months.

*Ability to extend up to 6 months with an increase of .50%.

**Ability to extend up to 6 months with an increase of .50%.


For a refinance loan the existing loan must be less than 12 months old and no new money can be given on the new loan.

Other Vehicles

Utility Trailers

YearMax TermRate
New/Used 2017, 2016 & 2015368.15%
488.40%
608.65%
728.90%
Used 2014 - 2007368.65%
488.90%
609.15%

Motorcycles - On Road

Motorcycle YearMax TermRate
New / Used 2017 & 2016364.50%
484.75%
604.68%
665.20%
725.80%
847.99%
2015 & 2014485.30%
605.40%
726.00%
2013485.40%
605.50%
726.25%
2012485.85%
605.95%
2011366.35%
486.85%
547.15%
Older than 2011To be financed as a secured personal loan with the vehicle taken as collateral. Recommended not to exceed 36 months.

RV Campers, Boats, Motors, and Boat Trailers

YearAmount FinancedMax TermRate
2017- 2013$15,000 - $25,000729.25%
2017 - 2013$10,000 - $14,999669.00%
2017- 2013$5,000 - $9,999608.75%

For model years 2012 to 2007 add .25% to each rate.

Models older than 2007 are financed at 9.75%.

Any loan under $5,000 is financed at 10.25%.

Credit Line Checking

ProductMinimum Credit LineRate
Credit Line Checking$50016%

Loans Secured by Other STC Products

TypeTermRate
Loans secured by STC CDNot to exceed remaining term of CD3% above CD rate
Loans secured by STC Trust Investment Accounts

Loan to Market Value at the time of the loan closing is up to 65%.

1 - 48 MonthsFixed at Prime + 0.25%
49 - 60 MonthsFixed at Prime + 0.50%