Personal Loans

Personal Loans

Unsecured / Undersecured Installment

AmountMax TermRateMaximum Loan to Value
Up to $4,999607.75%100%
$5,000+607.75%100%

Secured Installment

AmountMax TermRateMaximum Loan to Value
Up to $4,999606.50%100%
$5,000+606.50%100%

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

Direct Auto Loans

Vehicle YearMax TermRate
New / Used 2016 & 2015603.50%
663.65%
724.20%
2014603.65%
724.20%
2013603.85%
724.40%
2012604.00%
724.50%
2011604.65%
2010365.25%
485.75%
54 *6.00%
200948 ** 6.10%
Older than 2009To 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 2016, 2015 & 2014368.15%
488.40%
608.65%
728.90%
Used 2013 - 2006368.65%
488.90%
609.15%

Motorcycles - On Road

Motorcycle YearMax TermRate
New / Used 2016 & 2015364.30%
484.55%
604.65%
665.00%
725.60%
847.79%
2013-2014485.10%
605.20%
725.80%
2012485.20%
605.30%
726.05%
2011485.65%
605.75%
2010366.15%
486.25%
546.25%
Older than 2010To 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
2016 - 2012$15,000 - $25,000729.25%
2016 - 2012$10,000 - $14,999669.00%
2016 - 2012$5,000 - $9,999608.75%

For model years 2011 to 2006 add .25% to each rate.

Models older than 2006 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%