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Loan Rates

Loan Rates

Rates Effective: 5/1/2016

Summer Loan Specials!  Auto loan rates as low as 1.79% for 66 months until 7/31/2016!  Personal loan rates as low as 2.99% APR for up to 12 months and 6.99% APR for up to 60 months with automatic repayment using a Fiscal checking account until 7/31/2016! Apply today!

New Auto Loans — 100% Financing*

FICO Score</= 66 Mos**67-72 Mos**73-84 Mos**
700+ 2.24% 3.24% 4.24%
670-699 4.24% 5.24% 6.24%
640-669 5.74% 6.74% 7.74%
610-639 10.24% 11.24%  
609 & Below 14.24%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on the borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history.  

*100% of MSRP plus tax, license, CL&D, warranty and GAP. For FICO scores of 640 or greater, the total advance is not to exceed 130% of MSRP; for 639 or lower, it is not to exceed 110% of MSRP. For example, you will pay $16.12 per month per $1,000 borrowed for 66 months at 2.24% APR with up to 100% financing. Rates listed are speical promotional rates and do not include any discounts.

**Special promotional discount of .25% available when you choose to repay your auto loan automatically using a Fiscal checking account until July 31, 2016.  No other CHOICE discounts will apply until after July 31, 2016.

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New Auto Loans — 90% Financing*

FICO Score</= 66 Mos**67-72 Mos**73-84 Mos**
700+ 2.14% 3.14% 4.14%
670-699 4.14% 5.14% 6.14%
640-669 5.64% 6.64% 7.64%
610-639 10.14% 11.14%  
609 & Below 14.14%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto Loan rates are based on the borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.  

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history. 

*90% of MSRP plus tax, license, CL&D,warranty and GAP. For example, you will pay $16.08 per month per $1,000 borrowed for 66 months at 2.14% APR with up to 90% financing. Rates listed are special promotional rates and do not include any discounts.

**Special promotional discount of .25% available when you choose to repay your auto loan automatically using a Fiscal checking account until July 31, 2016.  No other CHOICE discounts will apply until after July 31, 2016.

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New Auto Loans — 80% Financing*

FICO Score</= 66 Mos**67-72 Mos**73-84 Mos**
700+ 2.04% 3.04% 4.04%
670-699 4.04% 5.04% 6.04%
640-669 5.54% 6.54% 7.54%
610-639 10.04% 11.04%  
609 & Below 14.04%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.  

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history.

*80% of MSRP plus tax, license, CL&D, warranty and GAP. For example, you will pay $16.04 per month per $1,000 borrowed for 66 months at 2.04% APR with up to 80% financing. Rates listed are special promotional rates and do not include any discounts.

**Special promotional discount of .25% available when you choose to repay your auto loan automatically using a Fiscal checking account until July 31, 2016.  No other CHOICE discounts will apply until after July 31, 2016.

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Used Auto Loans — 100% Financing*

FICO Score</= 66 Mos**67-72 Mos**73-84 Mos**
700+ 2.74% 3.74% 4.74%
670-699 4.74% 5.74% 6.74%
640-669 6.24% 7.24% 9.24%
610-639 10.74% 11.74%  
609 & Below 14.74%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.  

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history.

*100% of Retail KBB plus tax, license, CL&D, warranty and GAP. For FICO scores of 640 or greater, the total advance is not to exceed 130% of Retail KBB; for 639 or lower, it is not to exceed 110% of Retail KBB. For example, you will pay $16.35 per month per $1,000 borrowed for 66 months at 2.74% APR with up to 100% financing. Rates listed are special promotional rates and do not include any discounts.

**Special promotional discount of .25% available when you choose to repay your auto loan automatically using a Fiscal checking account until July 31, 2016.  No other CHOICE discounts will apply until after July 31, 2016.

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Used Auto Loans — 90% Financing*

FICO Score</= 66 Mos**67-72 Mos**73-84 Mos**
700+ 2.64% 3.64% 4.64%
670-699 4.64% 5.64% 6.64%
640-669 6.14% 7.14% 9.14%
610-639 10.64% 11.64%  
609 & Below 14.64%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history.

*90% of Retail KBB plus tax, license, CL&D, warranty and GAP. For example, you will pay $16.30 per month per $1,000 borrowed for 66 months at 2.64% APR with up to 90% financing.  Rates listed are special promotional rates and do not include any discounts.

**Special promotional discount of .25% available when you choose to repay your auto loan automatically using a Fiscal checking account until July 31, 2016.  No other CHOICE discounts will apply until after July 31, 2016.

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Used Auto Loans — 80% Financing*

FICO Score</= 66 Mos**67-72 Mos**73-84 Mos**
700+ 2.54% 3.54% 4.54%
670-699 4.54% 5.54% 6.54%
640-669 6.04% 7.04% 9.04%
610-639 10.54% 11.54%  
609 & Below 14.54%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on borrower's FICO score published rate plus 2% or 3%, based on credit tier/history

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history. 

*80% of Retail KBB plus tax, license, CL&D, warranty and GAP. For example, you will pay $16.26 per month per $1,000 borrowed for 66 months at 2.54% APR with up to 80% financing. Rates listed are special promotional rates and do not include any discounts.

**Special promotional discount of .25% available when you choose to repay your auto loan automatically using a Fiscal checking account until July 31, 2016.  No other CHOICE discounts will apply until after July 31, 2016.

 

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Auto Loan Limits

Min. Loan AmountMax. Loan AmountTerms (Mos.)
$2,500   36
$5,000   48
$10,000   66
$15,000   72
$30,000 $75,000 84

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CHOICE Auto Loan Discount Program**

Get up to 1% off your next new or used auto loan rate by choosing up to four of the following discounts:

DiscountCondition
-0.25% Automatic payment from a Fiscal checking account
-0.25% Fiscal Member for 10 or more years
-0.25% Two or more Fiscal loans with a combined balance of $10,000 or greater (includes new loan)
-0.25% Existing or new FREE Bill Pay user
-0.25% Existing or new FREE Direct Deposit user
-0.25% Existing or new FREE E-Statement user
-0.25% Purchase MBP through Fiscal
-0.25% Purchase GAP through Fiscal
-0.25% Purchase a vehicle from Autoland
-0.25% 55+ Advantage Program member

**Maximum of 4 discounts or 1.00% off the base rate.  CHOICE Discounts are available only to members applying for a Fiscal auto loan.  CHOICE Discounts may not be used on existing Fiscal auto loans. Maximum rate on any financed auto loan will not exceed 17.99%.

NOTE: The only CHOICE Discount available between May 13, 2016 and July 31, 2106, is the .25% discount for automatic repayment from a Fiscal checking account.  All discounts will resume after July 31, 2016. 

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Unsecured Loans

FICO ScorePersonal Line of CreditPersonal Loan Promotional Rate* (Up to 12 months)Personal Loan Promotional Rate* (13-60 months)
700+ 12.99% 3.24% 7.24%
670-699 13.99% 5.24% 9.24%
640-669 14.99% 7.24% 11.24%
610-639 16.99%   16.99%
609 & Below 17.99%   17.99%

“Credit Builder” Loan or Line of Credit rate is based on co-signer's FICO score published rate plus 2%.

*The listed rates are the standard promotional rates and do not include the additional .25% discount available for automatic payment from a Fiscal checking account. Promotional rates listed are available from May 16, 2016 through June 30, 2016. Minimum loan amount = $500; Maximum loan amount = $15,000. Fixed rate with terms available up to 60 months. Personal Loan example: You will pay $19.92 per month per $1,000 borrowed for 60 months at 7.24% APR. A 0.25% rate discount is available for automatic payment from a Fiscal checking account on a personal loan. 

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Recreational Vehicle Loans

FICO Score*NEW RV, Boats, Travel Trailers*USED RV, Boats, Travel Trailers
700+ 6.79% 6.99%
670-699 7.79% 7.99%
640-669 8.79% 8.99%
610-639 10.79% 10.99%
609 & Below 11.79% 11.99%

Included in this category: RVs, Motorhomes, Mini-Motorhomes, Van Conversions, Boats and Travel Trailers. Minimum loan amount = $2,500; Maximum loan amount = $100,000. Terms available up to 144 months. For example, you will pay $10.18 per month per $1,000 borrowed for 144 months at 6.79% APR with up to 100% financing.

*Term and Loan to Value plans are the same as New and Used Auto Loan guidelines. For example, you will pay $15.00 per month per $1,000 borrowed for 84 months at 6.79% APR with up to 100% financing.

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Motorcycle, Watercraft, and Electric Vehicle Loans

FICO Score*NEW Motorcycles, Watercraft, Elect. Vehicles*USED Motorcycles, Watercraft, Elect. Vehicles
700+ 6.79% 6.99%
670-699 7.79% 7.99%
640-669 8.79% 8.99%
610-639 10.79% 10.99%
609 & Below 11.79% 11.99%

*Term and Loan to Value plans are the same as New and Used Auto Loan guidelines. For example, you will pay $15.00 per month per $1,000 borrowed for 84 months at 6.79% APR with up to 100% financing.

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Term Share Certificate and Share Secured Loans

ConditionsTerm Share Certificate Secured LoanShare Secured Loan
Rate 3.0% ABOVE Certificate Rate 6.50%
Loan Amount 100% of Certificate Value 100% of Share Value
Term Maturity Date of Certificate Up to 60 months
Payment $50 Minimum $50 Minimum

Share Secured Loan example: You will pay $19.57 per month per $1,000 borrowed for 60 months at 6.50% APR.

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Home Equity Loans

LTVTermRate
80% 10 Years 5.00%
80% 15 Years 5.50%

Minimum loan amount = $10,000; Maximum loan amount = $150,000. For example, you will pay $10.61 per month per $1,000 borrowed for 120 months at 5.00% APR with up to 80% financing.

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Home Equity Lines of Credit

LTVRate
80% 4.25%
70% 4.00%
60% 3.75%

This is a variable rate loan product. The index is the U.S. Prime Rate with a minimum floor rate of 3.75% APR for loans with LTV ratios of up to 60%, 4.00% APR for loans with LTV ratios up to 70% and 4.25% APR for loans with LTV ratios up to 80%. The APR is subject to change on the first day of each month. Maximum APR = 17%. Property insurance is required. Other conditions may apply and are subject to change without notice. Available only in California.  

 

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Rates listed on this page are original base Annual Percentage Rates (APRs) without any discounts. A 0.25% rate discount is available for Automatic Payment from a Fiscal checking account on closed-end loans, excluding Home Equity Loans and Certificate/Share Secured Loans. Signature, Lines of Credit, Home Equity Loans and Home Equity Lines of Credit are NOT eligible for Fiscal CHOICE discounts.

For Visa credit card interest rates, click here to open our Visa credit card rates tab.

HELOC LTV 60% as low as

3.75%APR**

Auto Loans as low as

1.99%APR**

Certificates as high as

1.31%APY**

Checking as high as

0.03%APY**

IRAs as high as

1.31%APY*

More Rates
*APR = Annual Percentage Rate. Rate reflects maximum available discounts. **APY = Annual Percentage Yield. The yield shown is the highest, based on tier, term, and/or other factors.