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 2016 & 2015603.75%
663.90%
724.20%
2014603.90%
724.20%
2013604.10%
724.40%
2012604.25%
724.50%
2011604.90%
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 & 2015364.50%
484.75%
604.68%
665.20%
725.80%
847.99%
2013-2014485.30%
605.40%
726.00%
2012485.40%
605.50%
726.25%
2011485.85%
605.95%
2010366.35%
486.85%
547.15%
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%