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Vehicles
Vehicles
Vehicles
Vehicles
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LOAN RATES
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Vehicles - New and Used, Model Year 2004-2008, Purchase or Refinance |
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| Terms | APR* | Payment per $1000.00 |
| up to 48 mos. | as low as 5.24% | $23.15 |
| as high as 12.24% | $26.46 | |
| up to 60 mos. | as low as 5.74% | $18.92 |
| as high as 12.74% | $22.65 | |
| up to 72 mos. | as low as 6.24% | $16.70 |
| as high as 13.24% | $20.23 | |
| up to 84 mos. | as low as 7.49% | $15.34 |
| as high as 14.24% | $18.90 | |
| *Annual Percentage Rate. 100% financing available to qualified borrowers. Term of loan based on model year and mileage. Add 1% to the annual percentage rate for vehicles with over 100,000 miles. Set up payments through payroll deduction and receive an additional discount of .25%. Your individual rate will depend on your credit worthiness. Contact the loan department to determine your specific rate. | ||
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"Recreational" Includes - New and Used Boats, Campers, Motorcycles, ATV's, Snowmobiles, Trailers, Lawn and Garden Tractors up to 4 years old. Also Vehicles > 4 years old. |
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| Terms | APR* | Payment per $1000.00 |
| up to 48 mos. | as low as 6.24% | $23.60 |
| as high as 13.24% | $26.95 | |
| up to 60 mos. | as low as 6.74% | $19.69 |
| as high as 13.74% | $23.17 | |
| up to 72 mos. | as low as 7.24% | $17.17 |
| as high as 14.24% | $20.77 | |
| up to 84 mos. | as low as 8.49% | $15.41 |
| as high as 15.24% | $19.46 | |
| up to 120 mos. | as low as 9.49% | $12.95 |
| as high as 16.24% | $16.93 | |
| *Annual Percentage Rate. 100% financing available to qualified borrowers. Term of loan based on age and condition of collateral. Add 1% to the annual percentage rate for vehicles with over 100,000 miles. Set up payments through payroll deduction and receive an additional discount of .25%. Your individual rate will depend on your credit worthiness. Contact the loan department to determine your specific rate. | ||
| Mortgages | |||
| Type | Terms | APR * | Payment per $1000.00 |
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Home Equity Fixed Rate - 1st position |
5 years | 5.25% | $18.49 |
| 7 years | 5.75% | $14.50 | |
| 10 years | 6.25% | $11.24 | |
| 15 years | 6.75% | $8.86 | |
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Home Equity Fixed Rate - 2nd position |
5 years | 7.00% | $19.81 |
| 7 years | 7.50% | $15.34 | |
| 10 years | 8.00% | $12.14 | |
| Home Equity Line of Credit | open end - Variable Quarterly | 4.95%
Intro. rate 6.0% regular rate |
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| *Annual Percentage
Rate. Maximum loan amount for all mortgage loans is $100,000.00,
the maximum loan to value ratio is 80%. Fees to establish a Fixed
Rate Home Equity or a Variable Rate Home Equity Line of Credit are
approximately $150 - $200, excluding an appraisal. The cost for an
appraisal, if required, is generally $300.
The introductory rate is fixed thru 12/31/08 and variable quarterly thereafter. The regular annual percentage rate (APR) on a Home Equity Variable Rate Line of Credit is based on the Prime Rate as published in the Wall Street Journal (45 days prior to the end of each quarter). The current variable APR of 6% is effective as of 02/15/08. The maximum APR is 18%, the minimum APR is 4%. The minimum monthly payment is the higher of $100 or 1.5% of the outstanding balance as of the last advance. |
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All Other Loans |
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| Loan Type | Terms | Maximum Amount $ | APR* | Payment per $1000.00 |
| Personal & Consolidation | up to 60 mos. | 1 month's gross income | as low as 9.24% | $20.89 |
| as high as 17.99% | $25.40 | |||
| Computer Loans |
100% financing |
$3,000.00 | 6.95% | $30.85 |
| Computer Loan Special! |
100% financing |
$3,000.00 | 5.95% | $86.08 |
| Share Draft Line of Credit |
payments 5% or $50.00 (less or) |
$2,500.00 | 15.00% | - |
| Share Secured |
n/a |
n/a | 3% above share rate | - |
| Certificate Secured |
maturity date of certificate |
n/a | 2% above share rate | - |
| Mobile Homes - New |
80% financing, |
n/a | 10.00% | $13.22 |
| Mobile Homes - up to 5 years old |
80% financing, |
n/a | 13.00% | $14.93 |
| *Annual Percentage Rate. Regarding Personal and Computer Loans, if you set up payments through payroll deduction you'll receive a discount of .25%. Your individual rate for Personal/Consolidation Loans will depend on your credit worthiness. Contact the loan department to determine your specific rate. | ||||
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