|
Loans |
|
NEW AUTOS (2007, 2008, and newer model years with 20,000 miles or less) |
APR as low as* |
|
FIXED |
36 months (10% down payment) |
5.24% APR |
| 36 months (0% down payment) |
5.49% APR |
| 48 months (10% down payment) |
5.24% APR |
| 48 months (0% down payment) |
5.49% APR |
| 60 months (10% down payment) |
5.24% APR |
| 60 months (0% down payment) |
5.49% APR |
| 66 months (10% down payment) |
5.49% APR |
| 66 months (0% down payment) |
5.74% APR |
|
Loan Amount > $15,000 - 72 months (10% down payment) |
5.99% APR |
|
USED AUTOS (2005 and 2006) (2007 and 2008 auto with more than 20,000 miles) |
|
FIXED |
48 months (Trade) |
5.49% APR |
| 48 months (Retail) |
5.99% APR |
| 60 months (Trade) |
5.74% APR |
| 60 months (Retail) |
6.24% APR |
| 66 months (Trade) |
6.24% APR |
| 66 months (Retail) |
6.49% APR |
|
USED AUTOS (2002, 2003, and 2004 model years) |
FIXED |
48 months (Trade) |
6.24% APR |
| 48 months (Retail) |
6.74% APR |
| 60 months (Trade) |
6.49% APR |
| 60 months (Retail) |
6.99% APR |
|
USED AUTOS (2001 and older model years) |
FIXED |
36 months (Trade) |
7.49% APR |
| 36 months (Retail) |
8.24% APR |
MOTORCYCLES
Same as auto for titled motorcycles. See Consumer Goods for
other models. |
|
HOME EQUITY LOANS |
| Open-End Home Equity**
(Line of Credit) |
5.00% Variable APR |
| Closed-End Home Equity**
(Second Mortgage Loans) |
|
3-year Balloon |
6.00% APR |
5-year Balloon |
6.25% APR |
7-year Balloon |
6.75% APR |
| 15-year Fixed Home Equity |
5.49% APR |
|
HOME IMPROVEMENT |
|
FIXED |
Fixed 60 Month ($50,000 maximum) |
7.00% APR |
| Fixed 120 Month ($50,000 maximum) |
8.00% APR |
|
MOBILE HOMES Call for current rates. 80% of appraised value on all
options. |
|
OTHER LOANS |
|
Personal Loan & Quick Draw Line of Credit - Repayment term is
36 months |
12.50% APR |
Short Term Personal Loan - Repayment term is
12 months |
10.50% APR |
|
C.D. Secured - (60 months, variable rate) |
2% Above |
|
Share Secured - (60 months, variable rate) |
2% Above |
| Payday Alternative Loan (PAL) - (6 months, $1000 maximum)**** |
|
with automatic payment |
19% APR |
without automatic payment |
21% APR |
|
MOTOR HOMES (Motor homes that do not qualify under auto rates and terms) |
|
NEW |
Fixed 84 months (20% down payment) |
6.50% APR |
| Loan Amount > $25,000 - Fixed 120 months (20% down payment) |
6.75% APR |
USED |
1 - 2 Years Old - Fixed 96 months (Trade) |
6.5% APR |
| 3 - 4 Years Old - Fixed 84 months (Trade) |
6.75% APR |
| 5 Years and Older - Fixed 72 months (Trade) |
7.25% APR |
|
BOATS AND TRAVEL TRAILERS |
|
NEW |
Fixed 60 months (20% down payment) |
6.25% APR |
| Fixed 60 months (0% down payment) |
6.75% APR |
| Fixed 84 months (20% down payment) -
Loan amounts greater than $25,000 |
6.50% APR |
USED |
Fixed 48 months (Trade) |
7.50% APR |
| Fixed 48 months (Retail) |
8.25% APR |
CONSUMER GOODS
Includes fold down & pick-up campers, garden tractors, off-road motorcycles, mopeds, scooters,
ATV's, computers, household goods, appliances, and snowmobiles |
NEW |
Fixed 36 months (20% down payment) |
6.75% APR |
| Fixed 36 months (0% down payment) |
7.75% APR |
| Fixed 48 months (20% down payment) |
7.75% APR |
| Fixed 48 months (0% down payment) |
8.75% APR |
USED |
Fixed 24 months (20% down payment) |
8.25% APR |
| Fixed 24 months (0% down payment) |
9.25% APR |
| Fixed 36 months (20% down payment) |
9.25% APR |
| Fixed 36 months (0% down payment) |
10.25% APR |
|
CREDIT CARDS |
|
Visa® Classic Credit Card - No annual fee - 25 day Grace Period |
12.92% Fixed APR |
|
Visa® Gold Credit Card - No annual fee - 25 day Grace Period |
8.25% Variable APR*** |
Rates and terms based on credit score.
* Annual Percentage Rate based on credit score. Rates subject to change.
** Add 1% to interest rate for Home Equity Loans with LTV from 85% to 100%.
*** Rate is determined by adding 3.00% to the "Prime Rate." Minimum APR is 6.00%; maximum
APR is 18.00%.
**** The annual percentage rate does not take into account your required deposit. |
