Auto Rates

The AltaOne Rate Advantage

AltaOne offers the best combination of competitive, low loan rates and a strong rate of return on your deposits. We save you a bundle on your loans, while we make your money work for you.

Model Years 2022 & Newer**

Account Type	Model Years	Maximum Financing†	Maximum Term	APR†	Rates Effective
Autos	2022 & Newer**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 36 months	4.750%	01/01/2023
Autos	2022 & Newer**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 48 months	4.750%	01/01/2023
Autos	2022 & Newer**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 66 months	4.750%	01/01/2023
Autos	2022 & Newer**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 75 months	5.375%	01/01/2023
Autos	2022 & Newer**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 84 months	6.250%	01/01/2023

† (Maximum financing may vary as determined by your individual credit profile. Rates are as low as the Premier Plus Rates and your individual rate may be higher as determined by your individual credit profile.
* INCLUDING Sales Tax, Title Fees and Warranties/Service Contracts/GAP on Autos.
**Loans currently financed with AltaOne are subject to an additional charge of 1% of the refinance amount with $100 minimum, which is due at the time of signing.
APR=Annual Percentage Rate
All rates and policies are subject to change without notice.

Model Years 2019-2023 Used**

Account Type	Model Years	Maximum Financing†	Maximum Term	APR†	Rates Effective
Autos	2019-2023 Used**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 36 months	4.875%	01/01/02023
Autos	2019-2023 Used**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 48 months	4.875%	01/01/2023
Autos	2019-2023 Used**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 66 months	5.500	01/01/2023
Autos	2019-2023 Used**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 75 months	6.250%	01/01/2023
Autos	2019-2023 Used**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 84 months	6.500%	01/01/2023

† Maximum financing may vary as determined by your individual credit profile. Rates are as low as the Premier Plus Rates and your individual rate may be higher as determined by your individual credit profile.
* INCLUDING Sales Tax, Title Fees and Warranties/Service Contracts/GAP on Autos.
** Loans currently financed with AltaOne are subject to an additional charge of 1% of the refinance amount with $100 minimum which is due at the time of signing.
APR=Annual Percentage Rate
All rates and policies are subject to change without notice.

Model Years 2014-2018**

Account Type	Model Years	Maximum Financing†	Maximum Term	APR†	Rates Effective
Autos	2014-2018**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 66 months	6.750%	01/01/2023
Autos	2014-2018**	Autos up to 125% of Dealer Invoice or Wholesale Value.*	Up to 75 months	7.000%	01/01/2023
Motorcycle	2014-2018**	Motorcycle up to 125% of Retail Value.*	Up to 60 months	7.74%	01/01/22

Model Years 2009-2013**

Account Type	Model Years	Maximum Financing†	Maximum Term	APR†	Rates Effective
Autos	2009-2013**	Autos up to 115% of Wholesale Value.*	Up to 66 months	7.750%	01/01/2023

Over 15 Years Old

Account Type	Model Years	Maximum Financing†	Terms	Maximum Term	APR†	Rates Effective
Classic Vehicle	Over 15 Years Old	Up to 100% of Cash Selling Price or Appraised Value. Including Tax and/or License.	Must be considered Classic, Collectible or Special Interest Car and listed in the N.A.D.A. Photos required. A classic car is typically 25 years or older, of historical interest to be collectible, and tends to be restored. Must be registered, running, and in excellent condition.	Up to 60 months	10.99%	11/3/22

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Account Balance	Dividend Rate	Term	APY	Rates Effective
$500 to $2,499	1.25%	6 month	1.26%	12/12/22
$2,500 to $9,999	1.25%	6 month	1.26%	12/12/22
$10,000 to $49,999	1.25%	6 month	1.26%	12/12/22
$50,000 & Over	1.25%	6 month	1.26%	12/12/22
$500 to $2,499	1.30%	12 month	1.31%	12/12/22
$2,500 to $9,999	1.30%	12 month	1.31%	12/12/22
$10,000 to $49,999	1.30%	12 month	1.31%	12/12/22
$50,000 & Over	1.30%	12 month	1.31%	12/12/22
$500 to $2,499	1.35%	24 month	1.36%	12/12/22
$2,500 to $9,999	1.35%	24 month	1.36%	12/12/22
$10,000 to $49,999	1.35%	24 month	1.36%	12/12/22
$50,000 & Over	1.35%	24 month	1.36%	12/12/22
$500 to $2,499	1.40%	36 month	1.41%	12/12/22
$2,500 to $9,999	1.40%	36 month	1.41%	12/12/22
$10,000 to $49,999	1.40%	36 month	1.41%	12/12/22
$50,000 & Over	1.40%	36 month	1.41%	12/12/22
$500 to $2,499	1.50%	48 month	1.51%	12/12/22
$2,500 to $9,999	1.50%	48 month	1.51%	12/12/22
$10,000 to $49,999	1.50%	48 month	1.51%	12/12/22
$50,000 & Over	1.50%	48 month	1.51%	12/12/22
$500 to $2,499	1.60%	60 month	1.61%	12/12/22
$2,500 to $9,999	1.60%	60 month	1.61%	12/12/22
$10,000 to $49,999	1.60%	60 month	1.61%	12/12/22
$50,000 & Over	1.60%	60 month	1.61%	12/12/22

A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.
APY= Annual Percentage Yield
All rates and policies are subject to change without notice.