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Rates & Fees

For current deposit rates in the Wichita area, please call (316) 260-3711. For current rates in the Pratt area, please call (620) 672-6421.

Rates Help Center

Loan Rates

Automobile Rates 2014 Older
TermAPR* As Low As***
Up to 60 Months**7.03%

*Annual Percentage Rate (APR) assumes all loan origination fees are paid at the time of loan closing, financing loan origination fees will affect final loan APR and monthly payment.  **For example a $10,000 loan at an interest rate of 6.60% for a 60-month term, on a 2014 or older automobile with a 740+ credit score, monthly payment would be $196.16, (Annual Percentage Rate 7.03%). Monthly payment amounts vary by loan term and rates.

**60 month-term eligible on vehicles with loan amounts greater than $10,000.

***Lowest possible APR based on credit and underwriting for qualified borrowers.

Please note:

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.



Automobile Rates 2015 Newer
TermAPR* As Low As***
Up to 72 Months**5.82%

*Annual Percentage Rate (APR) assumes all loan origination fees are paid at the time of loan closing, financing loan origination fees will affect final loan APR and monthly payment.  **For example a $30,000 loan at an interest rate of 5.70% for a 72-month term, on a 2015 or newer automobile with a 740+ credit score, monthly payment would be $493.02, (Annual Percentage Rate 5.82%).  Monthly payment amounts vary by loan term and rates.

**72 month-term eligible on vehicles with loan amounts greater than $30,000.

***Lowest possible APR based on credit and underwriting for qualified borrowers.

Please note:

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.



Motorcycle, ATV, RV, Watercraft, Motorhomes
TermAPR As Low As**
Up to 60 Months7.68%

*Annual Percentage Rate (APR) assumes all loan origination fees are paid at the time of loan closing, financing loan origination fees will affect final loan APR and monthly payment.  **For example a $10,000 loan at an interest rate of 7.25% for a 60-month term, with a 740+ credit score, monthly payment would be $199.22, (Annual Percentage Rate 7.68%).  Monthly payment amounts vary by loan term and rates.

**Lowest possible APR based on credit and underwriting for qualified borrowers.

Please note:

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.