| New / Used Auto Loans |
|
New/Used Boats |
6.75% APR |
| Finance 100% of List Price or Retail Book |
|
Finance 100% of List Price or Book Value |
| 2011 – 2012 |
|
|
Up to $5,000 = 3 years maximum term |
| 2 or 3 years |
2.75% APR* |
|
$5,000-$10,000=5 yrs |
|
| 4 years |
2.95% APR* |
|
$10,001 + = 8 years |
|
| 5 years |
3.10% APR* |
|
|
|
| 6 years** |
3.75% APR* |
|
Personal Loans |
|
| 7 years** 4.50% APR* |
|
1 – 2 years |
9.25% APR |
|
|
|
3 – 4 years |
9.75% APR |
| Used Autos |
|
|
5 – 6 years |
10.25% APR |
| Finance up to 100% of Retail Book Value |
|
7 years |
10.75% APR |
| 2009 – 2010 |
|
|
|
|
| 2 or 3 years |
2.90% APR* |
|
Home Improvement Loans |
| 4 years |
3.25% APR* |
|
1 – 2 years |
8.00% APR |
| 5 years |
3.60% APR* |
|
3 – 4 years |
8.50% APR |
| 2007 – 2008 |
|
|
5 – 6 years |
9.00% APR |
| 2 or 3 years |
3.25% APR* |
|
7 years |
9.50% APR |
| 4 years |
3.50% APR* |
|
|
|
| 5 years |
3.75% APR* |
|
Debt Consolidation Loans |
| 2005 – 2006 |
|
|
1 – 2 years |
10.25% APR |
| 4 years |
4.75% APR* |
|
3 – 4 years |
10.75% APR |
|
|
|
5 – 6 years |
11.25% APR |
| New/Used RVs |
6.75% APR |
|
7 years |
11.75% APR |
| Finance up to 100% of Retail Book Value |
|
|
|
| Amount |
Maximum Term |
|
Christmas Loan |
12.00% APR |
| Up to $5,000 |
3 years |
|
Available 10/1-12/24 |
$1200, 1 year |
| $5001 to $15,000 |
5 years |
|
|
|
| $15,001 to $30,000 |
10 years |
|
Vacation Loan |
$2,000, 1 year |
| $30,001 and above |
12 years |
|
|
|
| Used Term Limits: |
|
|
Checking Account |
15.00% APR |
| Up to $5,000 |
3 years |
|
Line of Credit |
$200-$1000 Rev. |
| $5,001 to $20,000 |
5 years |
|
|
|
| $20,001 and above |
10 years |
|
Share Secured Loan |
5.00% APR |
|
|
|
|
|
| Motorcycles |
7.75% APR |
|
CD Secured Loan |
4.00% |
| Finance 90% of List Price or Book Value |
|
|
above CD rate |
| New – term limit = 5 yrs |
|
|
|
| Used – term limit = 4 yrs |
|
|
DEPOSIT ACCOUNTS |
|
|
|
|
Regular Shares |
0.15% APY+ |
| Home Equity Loan |
|
|
Shares (Over $1,000) |
0.25% APY+ |
| 80% Max Loan-To-Value |
|
|
KidzKash |
0.25% APY+ |
| Up to 5 year term |
4.00% APR |
|
Club Accounts |
0.15% APY+ |
| 5+ to 10 year term |
4.50% APR |
|
+ APY = Annual |
Percentage Yield |
| 10+ to 15 year term |
4.75% APR |
|
CERTIFICATES (++) |
|
| 85% Max Loan-To-Value |
|
|
6 months |
0.30% APY+ |
| Up to 5 year term |
5.00% APR |
|
12 months |
0.35% APY+ |
| 5 to 10 year term |
5.50% APR |
|
24 months |
0.50% APY+ |
| 10+ to 15 year term |
6.45% APR |
|
(++) = Penalties for |
early withdrawal |
| Amount |
Maximum Term |
|
|
|
| $10,000.00 |
5 years |
|
All loans subject to |
creditworthiness. |
| $10,000.01 to $30,000.00 |
10 years |
|
Rates not guaranteed |
and subject to change. |
| $30,000.01 to $150,000.00 |
15 years |
|
* Rates as low as |
**Minimum $20,000 |
