Consumer Loan Rates:   Effective April 1, 2014

*APR - ANNUAL PERCENTAGE RATE - Rate based on credit history, term selected, and loan to value ratio.

New Auto
Term Rates as low as (APR*)
Up to 12 Months 1.99%
13 - 24  1.99%
25 - 36 1.99%
37 - 48 1.99%
49 - 60  1.99%
61 - 72 2.49%
73 - 78 3.49%
79 - 84 3.74%

**$5.00 minimum share account balance required to apply for a loan.   Automatic loan payment required to get lowest rate.  Up to 100% financing available. A car loan of $20,000 with a 3-year term at 1.99% APR results in 36 monthly payments of approximately $28.64 per thousand.

Used Auto -  2009 and newer Model
Term Rates as low as (APR*)
Up to 12 Months 1.99%
13 - 24  1.99%
25 - 36 1.99%
37 - 48 1.99%
49 - 60  1.99%
61 - 72 2.49%
   
    

**$5.00 minimum share account balance required to apply for a loan.  Automatic loan payment required to get lowest rate.  Up to 100% financing available.  A car loan of $20,000 with a 3-year term at 1.99% APR results in 36 monthly payments of approximately $28.64 per thousand.

New & Used Motorcycle 2009 and newer Model
Term Rates as low as (APR*)
Up to 36 Months 3.99%
37 - 60 3.99%

**$5.00 minimum share account balance required to apply for a loan.  A motorcylcle loan of $10,000 with a 3-year term at 3.99% APR results in 36 monthly payments of approximately $29.52 per thousand.

Up to 125% Financing New/Used Auto Loan is available, ask a representative for rates.
   
   
   
Personal Loans
Term Rates as low as (APR*)
Up to 12 Months  8.50%
13-24  8.50%
25-36  8.50%
37-48  8.50%
49-60  8.50%

**$5.00 minimum share account balance required to apply for a loan.  A personal loan of $15,000 with a 3-year term at 8.50% APR results in 36 monthly payments of approximately $31.57 per thousand.

Life Style Loan
Term Rates as low as (APR*)
Up to 60 Months 8.50%

**$5.00 minimum share account balance required to apply for a loan.  A personal loan of $10,000 with a 5-year term at 8.50% APR results in 60 monthly payments of approximately $20.52 per thousand.

Recreational Vehicle Loan
Term Rates as low as (APR*)
Up to 36 Months 6.50%
37 - 60 6.50%
61 - 84 7.50%
85 - 120 8.50%

**$5.00 minimum share account balance required to apply for a loan.  A recreational loan of $20,000 with a 3-year term at 6.50% APR results in 36 monthly payments of approximately $30.65 per thousand.

Home Improvement Loan - Maximum Loan Amount $10,000
Term Rates as low as (APR*)
Up to 12 Months 6.49%
13 - 24 6.49%
25 - 36 7.49%
37 - 48 7.49%
49 - 60 7.49%

**$5.00 minimum share account balance required to apply for a loan.  A home improvement loan of $10,000 with a 3-year term at 7.49% APR results in 36 monthly payments of approximately $31.10 per thousand.

Home Equity Loans - 80%
Term Rates as low as (APR*)
Up to 60 Months 3.25%
61 - 120 4.50%
121 - 180 5.00%
240 5.50%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 3.25% APR results in 60 monthly payments of approximately $18.08 per thousand.  Payments do not include amounts for taxes and insurance premiums, if applicable; and that the actual payment obligation will be greater.  Property insurance is required.

Home Equity Loans - 90%
Term Rates as low as (APR*)
Up to 60 Months 4.25%
61 - 120 5.50%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 4.25% APR results in 60 monthly payments of approximately $18.53 per thousand.

Home Equity Loans - 100%
Term Rates as low as (APR*)
Up to 60 Months 5.25%
61 - 120  6.50%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 5.25% APR results in 60 monthly payments of approximately $18.99 per thousand.


Regular Rates not available-as low as

HELOC -  4.00% - this is a variable rate loan
 
75% 100k - 150k
80% 10k - 100k
90%  10k -  50k
Condo 75% 10k - 100k

**$5.00 minimum share account balance required to apply for a loan.  Maximum loan amount $150,000.  Maximum rate 18.0%.  Property insurance is required.  $35.00 annual fee.

Overdraft Protection
Term Rates as low as (APR*)
Open ended - Line of Credit 18.00%

**$5.00 minimum share account balance required to apply for a loan.

Share Secured
Term Rates as low as (APR*)
Up to 12 Months Share 1 Rate + 3.00%
13 - 24 Share 1 Rate + 4.00%
25 - 60 Share 1 Rate + 5.00%

**$5.00 minimum share account balance required to apply for a loan.  A  share secured loan of $10,000 with a 2-year term at 4.10% APR results in 24 monthly payments of approximately $434.71.  Rate may increase after account opening.

Certificate Secured
Term Rates as low as (APR*)
Up to 60 Months Certificate Rate + 3.00%

**$5.00 minimum share account balance required to apply for a loan.  A  share certificate secured loan of $10,000 with a 2-year term at 4.10% APR results in 24 monthly payments of approximately $434.71.  Rate may increase after account opening.

VISA Credit Card - Platinum
Disclosure APR*
Rate is a variable rate based on member's creditworthiness 8.99%* - 17.99%*
   
   

**$5.00 minimum share account balance required to apply for a loan.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.