| Consumer Loan - Fixed Rate |
| Effective 07/01/09 |
Loan Type |
Loan Amount |
(Approximate)
Terms |
APR++
(Annual Percentage Rate) |
| New Auto, Truck, Van* |
|
60 months |
6.24%
to
12.99%
|
|
66 months |
$15,000 & Over |
72 months |
$20,000 & Over |
84 months |
|
60 months |
6.49%
to
13.49%
|
|
66 months |
$15,000 & Over |
72 months |
$20,000 & Over |
84 months |
Used
Auto, Truck, Van*
More than 7 years old
|
|
60 months |
8.49%
to
15.49%
|
|
66
months |
$15,000 & Over |
72
months |
$20,000
& Over |
84
months |
| New
& Used Motorcycles* |
60
months |
7.49%
to
17.24% |
|
72
months |
$20,000 & Over |
84
months |
$20,000
& Over |
144
months |
| New
& Used Mobile Homes* |
No
Maximum |
240
months |
9.24 - 11.49% |
RVs
and Boats+*
includes: ATVs, boats,
jet skis, motor homes, RVs,
Sea Doos, snowmobiles, Wave
Runners and transportation trailers. |
|
60
months |
7.24%
to
9.99%
|
$20,000 & Over |
120
months |
$20,000
& Over |
140
months |
$50,000
& Over |
180
months |
$100,000
& Over |
240
months |
| Short
Term Signature |
No
Maximum Amount |
12
months |
11.00% |
| Signature
Loan |
No
Maximum Amount |
Varies |
13.29 - 17.54% |
Personal
Computer**
(100% financing - new purchase,
hardware only.) |
No
Maximum Amount |
48
months |
11.00% |
| Auto
Equity |
|
36
months |
Varies based on auto loan rates-Vehicle financing with courtesy lien on primary residence
|
|
48
months
|
|
60
months |
$15,000 & Over |
72
months |
Over
$20,000 |
84
months |
Share
Secured
(95% of Amount in Saving Account.) |
No
Maximum Amount |
120
months |
1.5
Points above the highest savings
rate. |
Certificate Secured
(95% of Amount in Saving Account.) |
No
Maximum Amount |
Length
of Certificate |
2
Points above Certificate rate.
|
| Visa
Platinum Credit Card |
$5,000
to $20,000 |
N/A |
8.99% |
| Visa
Classic Credit Card |
Up
to $4,999 |
N/A |
11.99% |
| Qwik
Cash Line of Credit |
Up
to $20,000 |
N/A |
13.00% |
| |
In some instances we may require borrowers to purchase Guaranteed Auto Protection (GAP) on new and used autos.
|
*Rates listed are our best fixed rates on approved credit and include .25% discount for Automatic Loan Payment. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. Rates .25% higher without Automatic Payment; maximum at 11.25% APR.
+Purchase of a Transportation Trailer will qualify for loan only if purchased with one of the following: ATV’s, Boats, Jet Skis, Motor Homes, RV’s, Sea Doos, Snowmobiles, and Wave Runners.
|
**Personal Computer Loan covers hardware purchases only, NOT software.
|
| ++Annual Percentage Rate. Loan rates and terms are determined by the Board of Directors and are subject to change without notice. Rates and terms based on your credit qualifications. |
| |
| All rates, fees, terms and conditions are subject to change. |
|
