Loan Rates
Personal Lines of Credit*
Effective July 1, 2020Subject to current credit underwriting criteria; not based solely on length of employment.
Annual Percentage Rate (APR) is 15.00% for all lines of credit. Contact your Credit League for more information.
Length of Employment
Maximum Amount
1 Year
$500.00
3 Years
$1,000.00
5 Years
$1,500.00
7 Years
$2,000.00
9 Years
$2,500.00
11 Years
$3,000.00
Share and Stock Secured Loan
Share and Stock Secured Loans
APR
Maximum Term
Share Pledge or Flowers Foods Stock ($1,000 Minimum)
Prime
36 Months
Share Pledge or Flowers Foods Stock ($1,000 Minimum)
Prime + 1.00%
72 Months
New & Used Auto Loans
Year Model
APR1
Maximum Term
EMP2 Per $1,000
2020 - 2018
As low as 3.21%
60 months
$18.07
2020 - 2018
As low as 4.21%
72 months
$15.75
2017 - 2015
As low as 3.21%
48 months
$22.23
2017 - 2015
As low as 4.21%
60 months
$18.52
2014 - 2012
As low as 3.21%
36 months
$29.18
2014 - 2012
As low as 4.21%
48 months
$22.68
2011 & Older
As low as 3.21%
24 months
$43.08
2011 & Older
As low as 4.21%
36 months
$29.62
Motorcycles, Personal Watercraft, Boats, Recreational Vehicles, Tractors & Lawn Equipment3
Year Model
APR1
Maximum Term
EMP2 Per $1,000
2020 - 2018
As low as 6.21%
60 months
$19.44
2020 - 2018
As low as 7.21%
72 months
$17.16
2017 - 2015
As low as 6.21%
48 months
$23.69
2017 - 2015
As low as 7.21%
60 months
$19.91
2014 - 2012
As low as 6.21%
36 months
$30.52
2014 - 2012
As low as 7.21%
48 months
$24.05
2011 & Older
As low as 6.21%
24 months
$44.42
2011 & Older
As low as 7.21%
36 months
$30.98
All rates, fees, and terms are subject to change without notice. Please contact your Credit League for the most current rates, additional terms, down payment requirements, and other conditions.
1APRs shown above are stated “as low as” and may vary based on collateral, term, and creditworthiness. Your APR may differ. Loan approval is based on creditworthiness, ability to repay, and collateral.
Length of term is determined by age/mileage/condition of collateral. A valid driver’s license and current insurance information are required at time of financing.
2EMP = Estimated Monthly Payment, this payment example is for illustration purposes only. Your actual payment may vary.
3Tractors & Lawn Equipment Loans for purchases of equipment only.
2EMP = Estimated Monthly Payment, this payment example is for illustration purposes only. Your actual payment may vary.
3Tractors & Lawn Equipment Loans for purchases of equipment only.
