| Automobiles |
Rate |
Term |
| New Autos (2008 - 2010 models) |
4.49% |
to |
12.49% |
72 months |
| Used Autos (2007 & older models) |
5.00% |
to |
13.00% |
48 - 60 months |
|
Loan terms exceeding 72 months for new autos and 60 months for used autos, add .50% APR. |
| |
| Recreational Vehicles and Boats |
Rate |
Term |
|
New Recreational Vehicles (2007 - 2010 models) |
6.25% |
to |
13.75% |
120 months |
| Used Recreational Vehicles (1 yr. & older) |
7.00% |
to |
14.50% |
84 months |
| |
Personal Recreational Vehicles
(Motorcycles, ATV's, Snowmobiles, Jet Skis, etc.) |
Rate |
Term |
| New Personal Recreational Vehicles |
6.79% |
to |
14.29% |
60 months |
| Used Personal Recreational Vehicles |
8.29% |
to |
15.79% |
48 months |
| |
| Signature |
Rate |
Term |
| Signature Short Term |
10.50% |
to |
16.00% |
12 months |
| Signature Long Term |
12.00% |
to |
17.50% |
60 months |
| |
| Share Pledge |
Rate |
Term |
| Share Pledge |
2.00% over share or certificate rate |
60 months |
| |
| Line of Credit |
Rate |
Term |
| Line of Credit |
12.00% |
60 Months |
| |
| Overdraft Protection |
Rate |
Term |
| Overdraft Protection |
15.00% |
Revolving |
| |
| Credit Cards |
Rate |
Term |
| VISA Classic (720+ Credit Score) |
7.90% |
Revolving |
| VISA Classic (719-670 Credit Score) |
9.90% |
Revolving |
| VISA Classic (669 & lower Credit Score) |
12.90% |
Revolving |
| |
| Mobile Homes |
Rate |
Term |
| New Mobile Home |
11.00% |
180 Months |
| Used Mobile Home (1-5 yrs) |
12.00% |
144 Months |
| Used Mobile Home (6 yrs & Older) |
13.00% |
120 Months |
| Mobile Home with Land |
7.20% |
120 Months |
| |
| Home Loans |
Rate |
Term |
| 1st Mortgage |
4.44% |
15 years |
| 1st Mortgage |
4.91% |
15+ years |
| 1st Mortgage (non-residence) |
6.69% |
15 years |
| 2nd Mortgage |
5.69% |
to |
6.69% |
15 years |
| 2nd Mortgage (consolidation) |
10.50% |
15 years |
| Land Only |
6.44% |
10 years |
| Home Equity Line |
3.25% to 4.25% |
Revolving |
| Construction |
5.44% |
Varies |
All rates with the exception of mortgage rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Rates are set by the Board of Directors and are typically updated weekly. Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy.
Mortgage rates are quoted as the interest rate only. APR will be calculated based on the amount financed and the term of the loan.
|
