Explore Our Loan Rates
RATES EFFECTIVE STARTING: 10/01/2024
All Stated Annual Percentage Rates (APR) are the lowest rates available for qualified borrowers.
Actual rate may be higher based on creditworthiness.
New and Used Auto and Motorcycle
| Product | APR* | Model Year | Term |
| New & Used Auto** | 5.52% | <5 Years | Up to 60 months |
| 5.77% | <5 Years | Up to 72 months | |
| 6.02% | <4 Years | Up to 84 months ($25,000 minimum) | |
| Older Model Used Auto | 5.52% |
6 Years |
Up to 72 months |
| 5.77% | 7 Years | Up to 72 months | |
| 6.02% | 8-9 Years | Up to 60 months | |
| 9.70% | 10-11 Years | Up to 48 months | |
| New & Used Motorcycle | 5.58% | <6 Years | Up to 60 months |
AUTO LOANS
*LOAN AMOUNTS UP TO $100,000
**TERMS IN EXCESS OF 60 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $15,000.
**TERMS IN EXCESS OF 72 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $25,000.
***NEW 2024 MODELS, UP TO 130% OF M.S.R.P. BASED ON CREDIT WORTHINESS.
Existing loans on new models will be refinanced using the M.S.R.P. for up to 90 days after purchase. Thereafter, they will be financed based on industry valuation sources.
Used vehicles and prior year models sold as new are based on industry valuation sources suggested retail price.
MOTORCYCLE LOANS
*LOAN AMOUNTS UP TO $40,000
**NEW 2024 MODELS, UP TO 125% OF M.S.R.P. BASED ON CREDIT WORTHINESS.
Existing loans on new models will be refinanced using the M.S.R.P. for up to 90-days after purchase. Thereafter, they will be financed based on industry valuation sources.
Used vehicles and prior year models sold as new are based on industry valuation sources suggested retail price.
First Time Borrower Vehicle
| Product | APR* | Model Year | Term |
| New & Used Auto** | 11.23% | <9 Years | Up to 60 months |
| 9.73% |
<7 Years |
Up to 72 months | |
| 9.48% | <4 Years | Up to 72 months |
*LOAN AMOUNTS UP TO $25,000.
**UP TO 100% LOAN TO VALUE.
***BASED ON AMOUNT BORROWED, MODEL YEAR, AND CREDIT WORTHINESS.
Used vehicles and prior year models sold as new are based on industry valuation sources suggested retail price. New Vehicles based on M.S.R.P.
Classic Auto
| Product | APR* | Model Year | Term |
| Classic Auto** | 6.02% | >25 Years | 72 months |
LOAN AMOUNTS UP TO $50,000
TERMS IN EXCESS OF 60 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $10,000.
Used vehicles are based on industry valuation sources suggested retail price. Vehicle must be ready for titling & Registration for financing with Tidemark FCU.
New and Used Boat and RV / Motor-home
| Product | APR* | Model Year | Term |
| New/Used RV | 5.58% | <10 Years | Up to 60 months |
| 5.83% | 61 to 72 months | ||
| 6.33% | 73 to 120 months (Minimum of $20,000) | ||
| New/Used Boat | 5.58% | Up to 60 months | |
| 5.83% | 61 to 72 months | ||
| 6.33% | 73 to 120 months (Minimum of $20,000) |
LOAN AMOUNTS UP TO $100,000
$5,000+ UP TO 84 MONTHS
$20,000+ UP TO 120 MONTHS
UP TO $50,000 MAX LTV 90%
$50,000 - $100,000 MAX LTV 80%
Minimum loan amount $5,000. Value based on book value, survey or dealer cost.
Off Road Program
(ATV, UTV, Personal Watercraft)
| Product | APR* | Model Year | Term |
| New/Used | 7.75% | <3 Years | Up to 72 months |
| 7.25% | 3-6 Years | Up to 36 months |
*LOAN AMOUNTS UP TO $25,000
**TERMS IN EXCESS OF 36 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $10,000.
*** MINIMUM FINANCED AMOUNT $2,000
Existing loans on new models will be financed using the MSRP for up to 90 days after purchase. Thereafter, they will be valued using Industry Valuation Guides. Used vehicles and prior year models sold as new are based on Industry Valuation Guides using the Suggested Retail Price. Maximum LTV includes any backend products.
Unsecured Loans
| Product | APR* | Term | Amount/Limit |
| Signature Line of Credit** | As low as 13.25% Prime + 5.25% adjusted monthly | Minimum monthly payment due is 2.25% of outstanding balance or $50, whichever is greater | $500 - $25,000 |
| Signature Installment | As low as 9.70% | Up to 72 months | $500 - $25,000 |
**Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Based on Prime Rate as of 09/18/2024
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