Rates

Effective as of: 09/10/2021

New and Used Vehicles 2021-2017

Term	Rate	APR*
36	2.14	2.14
48	2.34	2.34
60	2.54	2.54
72	3.09	3.09
84¹	4.04	4.04

Used Vehicles 2016-2012

Term	Rate	APR*
36	4.24	4.24
48	4.74	4.74
60	4.99	4.99

Used Vehicles 2011 & Older 

Term	Rate	APR*
36	5.54	5.54
48	5.79	5.79

Recreational Vehicles 2021-2014

Term	Rate	APR*
36	3.79	3.79
48	4.29	4.29
60	4.54	4.54
72	4.79	4.79

Recreational Vehicles (and more) 2021-2014

Term	Rate	APR*
73-120²	5.29	5.29
121-180³	7.49	7.49

Recreational Vehicles 2013 & older

Term	Rate	APR*
36	4.29	4.29
48	4.54	4.54
60	4.79	4.79
72	5.04	5.04

Share Secured

Rate	APR*
5.20	5.20

Take 0.25% off your loan with Auto Pay.*

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*APR=Annual Percentage Rate. Rates and terms based on approved credit, FICO Score and loan type. Automatic payment enrollment applicable from any Carpenters or other financial institution checking account.
¹84 month term requires the vehicle to be 2017 and newer and the loan amount needs to be over $40,000.

²73-120 month term requires the vehicle to be 2014 and newer and the loan amount needs to be over $25,000.

³121-180 month term requires the toy to be 2014 and newer and the loan amount needs to be over $40,000.