Loans | Mortgage | Savings | Certificates
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LOAN RATES
EFFECTIVE 02/01/08
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CREDIT SCORE
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A
725+
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B
625-724
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C
525-624
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D
425-524 |
| AUTO LOANS: NADA 100% Retail * |
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| 2010-2009 84 months |
5.74
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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 |
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| * Salvage Title Vehicles: Financing only up up 75% of NADA Retail Value |
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| RECREATIONAL VEHICLES: NADA 100% Retail 15K PLUS MOTOR HOMES, TRAVEL TRAILERS AND BOATS (up to 9 years old) |
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| $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 |
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UNSECURED SIGNATURE LOANS:
Amounts (unsecured - maximum loan amount $5,000.00)
Rate |
5000.00
10.00%
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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
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| Share Secured Loan: (100% Secured, max term 120 month) |
5.00
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| Certificate of Deposit Secured Loan: (100% Secured) 2 points above CD rate, maturity of CD equals maturity of loan |
-
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-
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-
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- |
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*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 - 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
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A
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B
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C
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D
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Score 725 +
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Score 625-724
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Score 525-624
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Score 425-524
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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 |
| 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 |
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*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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