Personal Loans

Personal Loans

Unsecured / Undersecured Installment

AmountMax TermRateMaximum Loan to Value
Up to $4,999607.00%100%
$5,000+606.75%100%

Secured Installment

AmountMax TermRateMaximum Loan to Value
Up to $4,999606.50%100%
$5,000+606.25%100%

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

Direct Auto Loans

Vehicle YearMax TermRate
New / Used 2016, 2015, 2014 & 2013603.65%
663.80%
723.90%
2012603.80%
724.10%
2011604.00%
724.30%
2010604.15%
724.40%
2009604.80%
2008365.15%
485.65%
54 *5.90%
200748 ** 5.89%
Older than 2007To 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 12 months with an increase of .50% for each 6 month period.


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, 2014, 2013 & 2012368.15%
488.40%
608.65%
728.90%
Used 2011 - 2004368.65%
488.90%
609.15%

Motorcycles - On Road

Motorcycle YearMax TermRate
New / Used 2016, 2015, 2014, 2013 & 2012364.40%
484.65%
604.75%
665.10%
725.70%
847.89%
2011485.20%
605.30%
725.90%
2010485.30%
605.40%
726.15%
2009485.65%
605.75%
2008366.15%
486.25%
546.25%
Older than 2008To 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 - 2010$15,000 - $25,000729.25%
2016 - 2010$10,000 - $14,999669.00%
2016 - 2010$5,000 - $9,999608.75%

For model years 2009 to 2004 add .25% to each rate.

Models older than 2004 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%