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Rates & Fees

Personal Lending Rates

Auto Loan Rates

New: 2018-2019 Models or newerGoldMo. Pmt. Per $1000
24 Months3.74% APR$43.32
36 Months3.74% APR$29.42
48 Months3.74% APR$22.47
60 Months3.74% APR$18.31
72 Months4.24% APR$15.76
84 Months4.99% APR$14.14
Used: 2016-2017 ModelsGoldMo. Pmt. Per $1000
24 Months3.99% APR$43.43
36 Months3.99% APR$29.53
48 Months3.99% APR$22.58
60 Months3.99% APR$18.42
72 Months4.74% APR$15.99
84 Months5.24% APR$14.25
Used: 2014-2015 ModelsGoldMo. Pmt. Per $1000
24 Months4.49% APR$43.65
36 Months4.49% APR$29.75
48 Months4.49% APR$22.81
60 Months4.74% APR$18.76
72 Months5.49% APR$16.34
Used: 2011-2013 ModelsGoldMo. Pmt. Per $1000
Up to 48 Months6.24% APR$23.60
49 to 60 Months6.49% APR$19.57

Recreational Vehicle Rates

New or Used up to 7 Years OldGoldMo. Pmt. Per $1000
24 Months5.75% APR$44.22
36 Months6.00% APR$30.43
48 Months6.50% APR$23.72
60 Months7.00% APR$19.81
61-180 Months7.50% APR$19.77
Note: .25% rate reduction offered with automatic monthly debit payment from a St. Jean's account. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply. Rate reduction offer excludes Real Estate Loans, Credit Cards, Revolving Credit, Overdraft Protection, K-12 / Vacation Loans, Fuel Loans, Share Secured Loans, Certificate Secured Loans, Money Market Loans and Stock Loans.

Personal Loan Rates

Personal LoanGoldMo. Pmt. Per $1000
Up to 72 Months12.90% APR$20.03
Debt ConsolidationGoldMo. Pmt. Per $1000
Up to 72 Months12.90% APR$20.03
Revolving CreditGoldMo. Pmt. Per $1000
Open End13.90% APR$30.003% of oustanding balance
Overdraft ProtectionGoldMo. Pmt. Per $1000
Open End13.90% APR$30.003% of outstanding balance
K-12 Loan/ Vacation LoanGoldMo. Pmt. Per $1000
Up to 24 Months7.99% APR$44.24
Fuel LoanGoldMo. Pmt. Per $1000
Up to 12 Months5.99% APR$86.06
Visa (Bonus Rewards)(Platinum) or (Secured)
Prime plus 6.74-14.74% Maximum APR 17.99%
0% Introductory APR
Visa College Rewards
Prime plus 8.74-14.74% Maximum APR 17.99%
Visa (Business Bonus Rewards) (Platinum Business)
Prime plus 6.74-14.74% Maximum APR 17.99%
0% Introductory APR


Share Secured LoanMo. Pmt. Per $1000Example APRTerm
Share Secured-Installment Loan$44.997.50% APR24 Months
Share annual percentage rate + 4.00%$1,046.63 Balloon4.65% APR12 Months
Certificate Secured LoanMo. Pmt. Per $1000Example APRTerm
Certificate annual percentage rate + 4.00%$1,085.73 Balloon8.55% APR12 Months
Money Market LoanMo. Pmt. Per $1000Example APRTerm
Money Market annual percentage rate + 4.00%1,027.27 Balloon5.44% APR6 Months
Stock LoanMo. Pmt. Per $1000Example APRTerm
50% of market value 9.00%$1,022.44 Balloon9.00%3 Months
Note: .25% rate reduction offered with automatic monthly debit payment from a St. Jean's account. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply. Rate reduction offer excludes Real Estate Loans, Credit Cards, Revolving Credit, Overdraft Protection, K-12 / Vacation Loans, Fuel Loans, Share Secured Loans, Certificate Secured Loans, Money Market Loans and Stock Loans.

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