Personal Loans

Personal Loans

Unsecured / Undersecured Installment

AmountMax TermRateMaximum Loan to Value
Up to $4,9996010.50%100%
$5,000+6010.25% 100%

Secured Installment

AmountMax TermRateMaximum Loan to Value
Up to $4,999609.00100%
$5,000+608.75%100%

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

Direct Auto Loans

Vehicle YearMax TermRate
New / Used 2019 & 2018604.75%
664.90%
725.20%
2017604.90%
725.20%
2016605.10%
725.40%
2015605.25%
725.50%
2014605.90%
2013366.25%
48*6.75%
Older than 2013To 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%.


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 2019, 2018 & 2017368.15%
488.40%
608.65%
728.90%
Used 2016- 2009368.65%
488.90%
609.15%

Motorcycles - On Road

Motorcycle YearMax TermRate
New / Used 2019 & 2018364.50%
484.75%
604.85%
665.20%
725.80%
847.99%
2017 & 2016485.30%
605.40%
726.00%
2015485.40%
605.50%
726.25%
2014485.85%
605.95%
2013366.35%
486.85%
547.15%
Older than 2013To 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
2019 - 2015$15,000 - $25,000729.25%
2019 - 2015$10,000 - $14,999669.00%
2019 - 2015$5,000 - $9,999608.75%

For model years 2014 to 2009 add .25% to each rate.

Models older than 2009 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%