Explore Our Loan Rates
RATES EFFECTIVE STARTING: 02/03/2025
All Stated Annual Percentage Rates (APR) are the lowest rates available for qualified borrowers.
Actual rate may be higher based on creditworthiness.
Vehicle Loans
Product | APR* | Model Year | Term |
New Vehicle** | 5.99% | <5 Years | Up to 60 months |
6.24% | <5 Years | Up to 72 months | |
6.49% | <4 Years | Up to 84 months ($25,000 minimum) | |
Used Vehicle** | 5.99% | <5 Years | Up to 60 months |
6.24% | <5 Years | Up to 72 months | |
6.49% | <4 Years | Up to 84 months | |
Older Model Vehicle | 6.24% |
6 Years |
Up to 72 months |
6.49% | 7 Years | Up to 72 months | |
7.99% | 8-9 Years | Up to 60 months | |
10.51% | 10-11 Years | Up to 48 months | |
Classic Auto | 6.49% | >25 Years | Up to 72 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.
***2025 OR NEWER 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.
CLASSIC AUTO LOANS
*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.
Recreational Loans
Product | APR* | Model Year | Term |
New/Used RV | 6.39% | <10 Years | Up to 60 months |
6.64% | 61 to 72 months | ||
7.14% | 73 to 120 months (Minimum of $20,000) | ||
New/Used Boat | 6.39% | Up to 60 months | |
6.64% | 61 to 72 months | ||
7.14% | 73 to 120 months (Minimum of $20,000) | ||
New/Used Motorcycle | 6.39% | < 6 Years | 60 Months |
New/Used ATV, UTV, or Personal Watercraft | 8.56% | < 3 Years | 72 Months |
8.06% | 3 – 6 Years | 36 Months |
RV & BOAT
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.
MOTORCYCLE
LOAN AMOUNTS UP TO $40,000
2025 OR NEWER 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.
ATV/ UTV/ PWC
LOAN AMOUNTS UP TO $25,000
TERMS IN EXCESS OF 36 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $10,000.
2025 OR NEWER MODELS, UP TO 100% 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.
Minimum loan amount $2,000.
Unsecured Loans
Product | APR* | Term | Amount/Limit |
Signature Line of Credit** | As low as 12.75% Prime + 5.25% adjusted quarterly | Minimum monthly payment due is 2.25% of outstanding balance or $50, whichever is greater | $500 - $25,000 |
Signature Installment | As low as 10.51% | 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 12/18/2024
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