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Loan Rates

Auto
Terms Rates As Low As
Up to 36 Months 3.74% APR*
37 to 48 Months 3.99% APR*
49 to 60 Months 4.24% APR*
61 to 72 Months 4.74% APR*
73 to 84 Months 6.24% APR*
Boats and RV's
Terms Rates As Low As
Up to 48 Months 3.99% APR*
49 to 60 Months 4.99% APR*
61 to 72 Months 5.24% APR*
73 to 96 Months 5.75% APR*
97 to 144 Months 8.74% APR*
Other Collateral
Terms Rates As Low As
Up to 48 Months 4.99% APR*
49 to 60 Months 5.49% APR*
61 to 72 Months 5.74% APR*
73 to 96 Months 6.24% APR*
97 to 144 Months 9.24% APR*

*APR = Annual Percentage Rate. Receive discounts on your loan with Carter’s Relationship Pricing Package, you can receive up to 0.25% discount on loans: Click here for details.

1 Buy your rate down further with additional Coverage Protection Plans (available for Auto, Recreational and Personal loans only.) 

APR=Annual Percentage Rate. Rates are subject to change without notice. Each application is evaluated on an individual basis. Loan advances are granted based upon the applicant(s) credit history, ability to repay, purpose, stability and collateral. Loan advances are not granted based upon method of repayment APR=Annual Percentage Rate as low as 2.89% APR is for terms up to 36 months and includes the following discounts: (1) 0.25% for current deposit account with direct deposit and auto transfer, (2) 0.30% Involuntary Unemployment, Life & Disability, (3) 0.20% Mechanical Breakdown, (4) 0.05% Guaranteed Asset Protection, (5) 0.05% Multi-shield Protection. Not valid with any other offers. Stated rates reflect all available discounts. Not valid with any other offers. For qualified borrowers. Credit restrictions apply. For every $1,000 financed for 36 months, the payment would be $29.03 at 2.89% APR. Membership and approved credit required. Actual rate may vary based on credit worthiness and other Carter underwriting guidelines.

Home Equity Line of Credit
Type Terms Rates As Low As
Variable Up to 15 years As low as 5.00% APR
Fixed Up to 10 years As low as 5.50% APR

Please call 1-800-367-5026 for current rates and terms.

Credit Cards
Type APR*
Visa Platinum 8.80% to 17.80% APR*
Visa Platinum with Rewards 10.80% to 14.80% APR*
Share Secured Visa 8.00% APR*

* minimum payment is 3% APR or $25 whichever is greater. APR = Annual Percentage Rate.

Personal Loans
Term Rate Maximum Amount
up to 60 Months 8.74% - 17.99% APR* $25,000
Line of Credit
Term Rate Maximum Amount
Revolving Variable Rate $10,000
Shared/Certificate Loans
Term Rate Maximum Amount
Share Loan Up to 144 months Variable rate=2% above highest dividend with a floor of 4.95% APR
Certificate Loan Up to 144 months Rate is equal to 2% above highest certificate dividend

*APR = Annual Percentage Rate.

Carter offers a wide selection of mortgage products with competitive rates. We look forward to serving your mortgage needs and are excited about partnering with you in this important purchase. 

View Current Mortgage Rates