ACPE Loan Rates

All rates are annual percentage rates (APR's) based on your FICO credit score and the length of the lending term.

If you are interested in fixed rate and variable rate home mortgage loans please contact our loan department at (307) 745-4726, fax number (307)745-7389.

Click here to access our Loan Calculator.

The following table is merely a guide to help you plan for a consumer loan:

FICO Score	Rating	Base Rate	Financing Available
850-800	A+	5.00%	120%
799-720	A	5.25%	120%
719-680	B+	6.00%	120%
679-650	B	7.50%	110%
649-600	C	10.00%	100%
599-550	D	14.00%	80%
549-below	F	18.00%	70%

Auto Loan Rates

Vehicle Year	Add to Base Rate	Maximum Term
New - 2007	--	84 Months*
2006-2002	.75%	72 Months
2001-1997	1.00%	60 Months
1996 - Older	2.00%	36 Months
*84 Month (7 Year) financing will available on loans $35,000 and above.

Recreational Vehicle Loans

Recreational Vehicle Loans use rates of above FICO chart with an additional .75% to the rate for new purchases and 1.25% used as collateral.

Loan Value	Term
New Recreational Vehicles - 100% Financing
$6000 - $10,000	60 Months
$30,000 - above	84 Months*
Rate will increase .25%* for each year over 5 years.
Used Recreational Vehicles - 90% Financing
$6,000 - above	60 Months
$5,999 - $4,001	48 Months
$4,000 - below	36 Months
Campers and Motorhomes:
The above rates apply but the term can be negotiated on loans over $30,000 up to a maximum of 120 months. These will be handled on a case-by-case basis.

Personal & Miscellaneous Collateral Loans

Personal loans add 4.00% to above FICO rates. Maximum rate that can be charged is 18%. Terms are determined by the lender.

Share Secured Loans

Lending is secured at 2% above the rate the account is earning.

Mobile Home Loans

New Mobile Homes - Add 6.00% to FICO Rate.
Used Mobile Homes - Add 7.00% to FICO Rate.
Used Mobile Homes are those no older than 15 years.