Thursday, April 17, 2014

CURRENT RATES

New / Used Auto Loans New/Used Boats 6.00% APR
Finance 100% of List Price  or Retail Book Finance 100% of List Price or Book Value
2013 – 2014 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 8.25% APR
Used Autos 3 – 4 years 8.75% APR
Finance up to 100% of  Retail Book Value 5 – 6 years 9.25% APR
2011-2012 7 years 9.75% APR
2 or 3 years 2.90% APR*
4 years 3.25% APR* Home Improvement Loans
5 years 3.60% APR* 1 – 2 years 7.25% APR
2009-2010 3.60% APR* 3 – 4 years 7.75% APR
2 or 3 years 3.25% APR* 5 – 6 years 8.25% APR
4 years 3.50% APR* 7 years 8.75% APR
5 years 3.75% APR*
2007-2008 Debt Consolidation Loans
4 years 4.75% APR* 1 – 2 years 10.25% APR
2006 & Older 3 – 4 years 10.75% APR
 4 years 6.00% APR* 5 – 6 years 11.25% APR
New/Used RVs 6.00% APR 7 years 11.75% APR
Finance up to 100% of Retail Book Value
Amount Maximum Term Christmas Loan 5.99% 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 10.75% APR
$30,001 and above 12 years $2,000, 1 year term
Used Term Limits:
Up to $5,000 3 years
$5,001 to $20,000 5 years Checking Account 15.00% APR
$20,001 and above 10 years Line of Credit $200-$1000 rev.
Motorcycles 7.00% APR Share Secured Loan 5.00% APR
Finance 90% of List Price or Book Value CD Secured Loan 4.00% above CD rate
New – term limit = 5 yrs
Used – term limit = 4 yrs DEPOSIT ACCOUNTS
 Regular Shares  0.10% APY+
Home Equity Loan  Shares (Over $1,000)  0.15% APY+
80% Max Loan-To-Value  KidzKash  0.15% APY+
Up to 5 year term 4.00% APR  Club Accounts  0.10% 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