Visa® Credit Card Rates

Visa Credit CardsRates Effective: 1/1/2024

Legacy SPIRE Visa Platinum Credit Card 14.15-17.99% APR*
Legacy SPIRE Visa Platinum Rewards Credit Card 17.99% APR*
Legacy SPIRE Visa Signature Credit Card 17.99% APR*
Legacy Hiway Visa Platinum Credit Card 12.70-18.00% APR*
Legacy Hiway Visa Rewards

13.90-18.00% APR*

Legacy Hiway Visa Signature Credit Card 14.96-18.00% APR*
Penalty APR and When It Applies

None.

Minimum Interest Charge

None.

*APR=Annual Percentage Rate. Introductory Offers on new Blaze Signature accounts. 0.00% APR on purchases made within 12 months from date of account opening. 2.99% APR on any balance transfer made within 90 days from date of account opening for a period of 12 billing cycles. Balance Transfer Fee is $0.00. After that, your APR will increase and will vary with the market based on the Prime Rate. Current rate(s) are based on the Prime Rate as stated in the Wall Street Journal plus applicable margin in effect on 12.31.2023, are 17.99% . Rate is based on creditworthiness. The APR will never be greater than 18.00%. Please refer to the Credit Card Account Opening Disclosure you received for information regarding your APR. We calculate your balance by using a method called average daily balance (including new purchases).

Personal Loan Rates

Share SecuredRates Effective: 11/2/2020

APR* Monthly Term
Share Secured Loans 3.00% over highest Dividend Share Savings or Certificate Rate Less than $2,000 up to 48 months or not to exceed the Certificate maturity date. $2,000 and greater up to 120 months or not to exceed the Certificate maturity date.

Other SecuredRates Effective: 1/1/2024

APR* Monthly Term
Other Secured Loans (Utility Trailers, Classic Cars, Lawn/Farm Equipment) 11.50 Up to 60 months

Personal InstallmentRates Effective: 1/1/2024

APR* Monthly Term
Installment Loans (Less than $10,000) As low as 10.75 (36 month) Terms available up to 60 months $32.66
Installment Loans ($10,000 and Greater) As low as 10.75 (36 months) Terms available up to 72 months $32.66
Home Improvement Installment Loan ($10,000 and Greater) *Ask for Details As low as 8.75 Up to 120 months $15.24

Line of CreditRates Effective: 1/1/2024

APR* Monthly Term
Line of Credit 18.00 N/A

*Annual Percentage Rate.
Minimum repayment period of 181 days for personal installment loans.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.

Monthly payments based on $1,000 borrowed.
Personal Loan Payment Example: Assuming a $5,000 personal loan for 36 months at 10.75% APR, the monthly payment will be $163.21.

Vehicle Loan Rates

New VehiclesRates Effective: 1/1/2024

APR* Monthly Term Monthly Payments
New Vehicle 2023 & Newer+ 6.750 36 $30.76
New Vehicle 2023 & Newer 7.100 48 $23.99
New Vehicle 2023 & Newer 7.300 60 $19.94
New Vehicle 2023 & Newer 7.650 72 $17.36
New Vehicle 2023 & Newer 8.150 84 $15.66

Used VehiclesRates Effective: 1/1/2024

APR* Monthly Term Monthly Payments
Used Vehicle (2012-2023)+ 6.750 36 $30.76
Used Vehicle (2020-2023) 7.400 48 $24.13
Used Vehicle (2020-2023) 7.600 60 $20.09
Used Vehicle (2020-2023) 7.950 72 $17.51
Used Vehicle (2020-2023) 8.450 84 $15.81
Used Vehicle (2012-2019) 8.400 48 $24.60
Used Vehicle (2012-2019) 8.900 60 $20.71

*APR= Annual Percentage Rate.
Auto loan rates disclosed reflect a 0.25% discount for automatic payment, a 0.25% discount for having an active checking account, and a 0.10% discount for having a Blaze Visa Credit Card. Finance up to 125% of the MSRP on new autos and 125% of the JD Power values on used autos for qualified borrowers. Rates will be higher on loans with a Loan-to-Value ratio over 85%.
Rates and terms are subject to qualification. Other restrictions may apply.

+Rate based on 36-month term, with automatic payment on autos 2012 and newer. Payment example, a $10,000 auto loan at 6.75% APR for 36-months, monthly payment would be $307.76. Minimum amount financed is $5,000 and must be new money to Blaze. Other discounts and offers do not apply.

Monthly payments based on $1,000 borrowed.
Loans are subject to credit approval. Other terms and conditions may apply.
New vehicles must be of model year 2023 or newer with less than 10,000 miles.
Interest rates subject to change at any time.
See Associate for details.

Recreational Vehicle Loan Rates

BoatsRates Effective: 1/1/2024

APR* Monthly Term Monthly Payments
Boat 2024-2023 8.250 60 $20.40
Boat 2024-2023 8.500 72 $17.78
Boat 2024-2023 ($25k min) 9.750 120 $13.08
Boat 2022-2011 8.250 60 $20.40
Boat 2022-2011 8.500 72 $17.78
Boat 2022-2011 9.000 84 $16.09
Boat 2022-2011 ($25k Min) 9.750 120 $13.08

MotorcyclesRates Effective: 1/1/2024

APR* Monthly Term Monthly Payments
Motorcycle 2024-2023 8.250 60 $20.40
Motorcycle 2024-2023 8.500 72 $17.78
Motorcycle 2024-2023 ($20k min) 9.000 84 $16.09
Motorcycle 2022-2011 8.250 60 $20.40
Motorcycle 2022-2011 8.500 72 $17.78
Motorcycle 2022-2011 ($20k min) 9.000 84 $16.09

Power SportsRates Effective: 1/1/2024

APR* Monthly Term Monthly Payments
Power Sports 2024-2023 8.250 36 $31.45
Power Sports 2024-2023 8.750 60 $20.64
Power Sports 2024-2023 9.250 72 $18.15
Power Sports 2024-2023 ($25k min) 9.750 84 $16.47
Power Sports 2022-2011 8.250 36 $31.45
Power Sports 2022-2011 8.750 60 $20.64
Power Sports 2022-2011 9.250 72 $18.15

Recreational VehiclesRates Effective: 1/1/2024

APR* Monthly Term Monthly Payments
Recreational Vehicle 2024-2023 8.750 60 $20.64
Recreational Vehicle 2024-2023 9.000 72 $18.03
Recreational Vehicle 2024-2023 9.250 84 $16.22
Recreational Vehicle 2024-2023 ($25k min) 10.000 120 $13.22
Recreational Vehicle 2022-2011 9.250 60 $20.88
Recreational Vehicle 2022-2011 9.750 84 $16.47

*APR= Annual Percentage Rate.
Monthly payments based on $1,000 borrowed.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.
See Associate for details.