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LOAN RATES
EFFECTIVE 02/01/08

 

CREDIT SCORE

A        
725+

B             
625-724

C             
525-624

D             
425-524
AUTO LOANS:  NADA 100% Retail *        
2010-2009     84 months 

5.74

6.74 8.74 10.74
2010-2007     72 months 4.74 5.74 7.74 9.74
2010-2006     60 months 4.74 5.74 7.74 9.74
2005-2004     60 months 5.74 6.74 8.74 10.74
2003-2002     48 months 6.74 7.74 9.74 11.74
2001 and older refer to Unsecured Loan rates for 36 months        
* Salvage Title Vehicles:  Financing only up up 75% of NADA Retail Value        
RECREATIONAL VEHICLES:  NADA 100% Retail 15K PLUS MOTOR HOMES, TRAVEL TRAILERS AND BOATS (up to 9 years old)        
$15,001.00 - $25,000.00     84 months 7.24 8.24 10.24 12.24
$25,001.00 - $40,000.00    120 months 7.49 8.49 10.49 12.49
$40,001.00 - $60,000.00    180 months 7.99 8.99 10.99 12.99
         
         
UNSECURED SIGNATURE LOANS:
Amounts (unsecured - maximum loan amount $5,000.00)    
Rate

5000.00
10.00%

5000.00
11.00%
3500.00
13.00%
2000.00
15.00%
Revolving Credit:
maximum loan amount $5,000.00, minimum payment $3.50 per $100.00 of loan balance

16.50

     
Share Secured Loan: (100% Secured, max term 120 month)

5.00

     
Certificate of Deposit Secured Loan: (100% Secured) 2 points above CD rate, maturity of CD equals maturity of loan

-

-

-

-

 

*APR = Annual Percentage Rate
The amount financed on used autos is based upon the current issue of the N.A.D.A pricing guide retail value.
Loan rates are subject to change without prior notification.

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HOME EQUITY LOAN RATES

 

 Home Equity - 60 months 80% LTV, up to $13,000 max

 

APR * TERM AMOUNT/LIMIT
A=5.99%,   B=6.99%, 
C=8.99%,   D=10.99%
UP TO 60 MONTHS  UP TO $13,000.00

 

Home Equity - 120 months 80% LTV, $13,001 + 

APR * TERM AMOUNT/LIMIT
A=6.49%,   B=7.49%,
C=9.49%,   D=11.49%
61 - 120 MONTHS $13,001.00 +/
80% LTV & DEBT RATIO FACTOR

Credit Score Matrix for Loan Rates 

A

B

C

D

Score 725 +

Score 625-724

Score 525-624

Score 425-524

*APR = Annual Percentage Rate
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Savings Minimum Balance Dividend Rate APY* Term
Regular Shares, Club Accounts    *to earn dividends *100.00 .30 .30 n/a
Funds Management Account ($1,000.00 to $10,000.00) 1,000.00 .50 .50 n/a
Funds Management Account ($10,001.00 to $25,000.00)

10,001.00

.80 .80 n/a
Funds Management Account ($25,001.00 +) 25,001.00 1.00 1.00 n/a
IRA Accounts ($100.00 to $9,999.99) 100.00 1.00 1.00 n/a
IRA Accounts ($10,000.00 +) 10,000.00 1.15 1.16 n/a

 

*APY = Annual Percentage Yield
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Certificates of Deposit Minimum Deposit Dividend Rate APY* Term
Six (6) Month 1,000.00 .65 .65 6
Twelve (12) Month 1,000.00 1.00 1.00 12
Twenty-four (24) Month 1,000.00 1.40 1.41 24

 

*APY = Annual Percentage Yield
Note: Assumes dividends are left in the certificate until maturity. 
Rates subject to change without prior notification.
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