Personal Loans

Personal Loans

Unsecured / Undersecured Installment

Minimum Loan - $2,500.00
AmountMax TermRateMaximum Loan to Value
$2,500 - $4,999607.50%100%
$5,000+607.25%100%

Secured Installment

Minimum Loan - $2,500.00
AmountMax TermRateMaximum Loan to Value
$2,500 - $4,999607.00%100%
$5,000+606.75%100%

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

Direct Auto Loans

Minimum Loan - $2,500
Vehicle YearMax TermRate
New / Used 2015, 2014 & 2013603.75%
663.90%
724.00%
2012603.90%
724.20%
2011604.10%
724.40%
2010604.25%
724.50%
2009604.90%
2008365.25%
485.75%
54 *6.00%
200748 ** 5.99%
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

Minimum Loan - $2,500
YearMax TermRate
New/Used 2015, 2014, 2013 & 2012368.15%
488.40%
608.65%
728.90%
Used 2011 - 2004368.65%
488.90%
609.15%

Motorcycles - On Road

Minimum Loan - $2,500
Motorcycle YearMax TermRate
New / Used 2015, 2014, 2013 & 2012364.50%
484.75%
604.85%
665.20%
725.80%
847.99%
2011485.30%
605.40%
726.00%
2010485.40%
605.50%
726.25%
2009485.75%
605.85%
2008366.25%
486.75%
547.00%
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

Minimum Loan - $2,500
YearAmount FinancedMax TermRate
2015 - 2010$15,000 - $25,000729.25%
2015 - 2010$10,000 - $14,999669.00%
2015 - 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%