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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

Car Rates 2011 Older

Car Rates 2011 Older

Car Rates 2011 Older750+ Credit Score650-749 Credit Score649 Below - Credit Score
36 Months5.50% APR6.25% APR7.50% APR
48 Months5.50% APR6.50% APR7.50% APR
60 Months**5.50% APR6.75% APR7.75% APR
Minimum loan amount $10,000

Monthly payment amounts vary by loan term and rates. For example a $10,000 loan at an interest rate of 5.50% for a 60-month term, on a 2011 or older automobile with a 750+ credit score, the monthly payment would be $190.96 (Annual Percentage Rate 5.9176%).

Please note:

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



Automobile Loan Rates
Car Rates 2012 Newer750+ Credit Rating650-749 Credit Rating649 below - Credit Rating
36 Months4.50% APR5.25% APR6.50% APR
48 Months4.50% APR5.50% APR6.75% APR
60 Months4.50% APR5.75% APR7.00% APR
72 Months*4.50% APR6.00% APR7.25% APR
* Minimum loan amount $30,000

Monthly payment amounts vary by loan term and rates. For example a $10,000 loan at an interest rate of 4.50% for a 60-month term, on a 2012 or newer automobile with a 750+ credit score,the monthly payment would be $186.39 (Annual Percentage Rate 4.9138%).

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

Please note:

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



Motorcycle, ATV, RV, Watercraft, Motor Home Loan Rates
750+ Credit Score650-749 Credit Score
36 Months5.50% APR6.25% APR
48 Months5.50% APR6.50% APR
60 Months5.50% APR6.75% APR

Monthly payment amounts vary by loan term and rates. For example a $10,000 loan at an interest rate of 5.50% for a 60-month term, with a 750+ credit score, the monthly payment would be $190.96 (Annual Percentage Rate 7.9255%).

Please note:

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