Loan Rates
Current as of July 2010
All loans are subject to credit approval and rates are subject to change at anytime without notice.
We are a "Risk Based Lender". Your loan rate will be assigned to you based on your credit rating (beacon score).
(A payment example: $1,000.00 @ 12% APR for 12 Months = $88.63 / month)
SIGNATURE (UNSECURED):
|
Credit Rating
|
A+ APR*
|
A APR*
|
B APR*
|
C APR*
|
D APR*
|
E APR*
|
| Rate |
8.50 %
|
9.00 %
|
9.50 %
|
11.50 %
|
14.00 %
|
18.00 %
|
Qualified members may borrow up to $7,000.00
Maximum Term = 48 Months Minimum Loan Amount = $1,000.00
NEW VEHICLES (CAR, TRUCK or VAN): 2009 - 2011
|
Credit Rating
|
A+ APR*
|
A APR*
|
B APR*
|
C APR*
|
D APR*
|
E APR*
|
| 36 Months |
4.75 %
|
5.25 %
|
5.75 %
|
7.75 %
|
10.25 %
|
14.75 %
|
| 48 Months |
5.00 %
|
5.50 %
|
6.00 %
|
8.00 %
|
10.50 %
|
15.00 %
|
|
60 Months
|
5.25 %
|
5.75 %
|
6.25 %
|
8.25 %
|
10.75 %
|
15.25 %
|
|
66 Months
|
5.50 %
|
6.00 %
|
6.50 %
|
8.50 %
|
11.00 %
|
N/A
|
|
72 Months
|
6.00 %
|
6.50%
|
7.00 %
|
9.00 %
|
N/A
|
N/A
|
USED VEHICLES (CAR, TRUCK or VAN): 2003 - 2008
|
Credit Rating
|
A+ APR*
|
A APR*
|
B APR*
|
C APR*
|
D APR*
|
E APR*
|
| 36 Months |
6.25 %
|
6.75 %
|
7.25 %
|
9.25 %
|
11.75 %
|
16.25 %
|
| 48 Months |
6.50 %
|
7.00 %
|
7.50 %
|
9.50 %
|
12.00 %
|
16.50 %
|
|
60 Months
|
6.75 %
|
7.25 %
|
7.75 %
|
9.75 %
|
12.25 %
|
N/A
|
USED VEHICLES (CAR, TRUCK or VAN): Older than 2003
|
Credit Rating
|
A+ APR*
|
A APR*
|
B APR*
|
C APR*
|
D APR*
|
E APR*
|
| 36 Months |
7.00 %
|
7.50%
|
8.00 %
|
10.00 %
|
12.50 %
|
17.00 %
|
| 48 Months |
7.25 %
|
7.75 %
|
8.25 %
|
10.25 %
|
12.75 %
|
17.25 %
|
RECREATIONAL VEHICLES (BOAT, CYCLE, CAMPER, ATV**, ETC...):
|
Credit Rating
|
A+ APR*
|
A APR*
|
B APR*
|
C APR*
|
D APR*
|
E APR*
|
| 36 Months |
6.25 %
|
6.75 %
|
7.25 %
|
9.25 %
|
11.75 %
|
16.25 %
|
| 48 Months |
6.50 %
|
7.00 %
|
7.50 %
|
9.50 %
|
12.00 %
|
N/A
|
| 60 Months |
6.75 %
|
7.25 %
|
7.75%
|
9.75 %
|
N/A
|
N/A
|
**Maximum term for ATV or Jet Ski loans is 36 months
USED RECREATIONAL VEHICLES: Add 0.50 % to the rates listed above
MOBILE HOMES:
|
Credit Rating
|
A+ APR*
|
A APR*
|
B APR*
|
C APR*
|
D APR*
|
E APR*
|
| Rate |
7.25 %
|
7.75 %
|
8.25 %
|
10.25 %
|
12.75 %
|
17.25 %
|
Maximum Term = 60 Months
SHARE SECURED: Rate = 3.00 % + highest dividend rate
*APR = Annual Percentage Rate
Savings (Share) Dividend Rates
The following APY's (Annual Percentage Yields) for Share accounts are accurate through today's date.
| Balance ** |
Dividend Rate
|
APY*
|
| $500 to $4,999 |
.25 %
|
.25 %
|
| $5,000 to $9,999 |
.25 %
|
.25 %
|
| $10,000 to $19,999 |
.50 %
|
.50 %
|
| $20,000 to $49,999 |
.50 %
|
.50 %
|
| $50,000 to $74,999 |
.75 %
|
.75 %
|
| $75,000 & Up |
1.00 %
|
1.01%
|
*APY = Annual Percentage Yield
** Dividends are calculated on an average daily balance, are subject to change and are not guaranteed.
Checking (Share Draft) Dividend Rates
The following APY's (Annual Percentage Yields) for Draft accounts are accurate through today's date.
| Checking (Share Draft) ** |
Dividend Rate
|
APY*
|
| All Balances |
.25 %
|
.25 %
|
*APY = Annual Percentage Yield
** Dividends are calculated on an average daily balance, are subject to change and are not guaranteed.
|
