| Auto Loans - rates declared effective 06/01/09 |
| Length of Term |
Min. Amount |
APR* As Low As** |
Special Requirements |
| 36 months |
n/a |
4.99% |
2004 or older add .50% |
| 48 months |
$ 5,000.00 |
4.99% |
2004 or older add .50% |
| 60 months |
$ 12,000.00 |
4.99% |
2004 or older add .50% |
| 72 months |
$ 17,500.00 |
5.75% |
only 2008/2009 models |
| |
| **Rates based on credit score and discounts for 2008/2009 models, checking and direct deposit. Maximum discount .50% |
| Large Motorcycle Loans - rates declared effective 02/01/09 |
| Length of Term |
Min. Amount |
APR* As Low As** |
Special Requirements |
| Maximum 60 months |
$ 10,000.00 |
auto rate + 1.25% |
n/a |
| See Loan Officer |
< $10,000.00 |
|
older/smaller type |
| |
| **Rates based on credit score and discounts for checking and direct deposit. Maximum discount .50% |
| Personal/Unsecured Loans - rates declared effective 02/01/09 |
| Length of Term |
Min. Amount |
APR* As Low As** |
Special Requirements |
| 36 month |
$ 0 - $2499.00 |
9.25% |
n/a |
| 36 month |
$ 2,500.00 |
9.00% |
n/a |
| |
| **Rates based on credit score and discounts for checking and direct deposit. Maximum discount .50% |
| Boat/RV Loans - rates declared effective 02/01/09 |
| Length of Term |
Min. Amount |
APR* As Low As** |
Special Requirements |
| New 2008-2009 |
n/a |
auto rate + .25% |
2008/2009 models |
| Used 2004-2007 |
n/a |
auto rate + .50% |
2004 - 2007 |
| Used 2003 or older |
n/a |
auto rate + 1.00% |
|
| |
| **Rates based on credit score and discounts for checking and direct deposit. Maximum discount .50% |
| Share/Certificate Secured Loans - rates declared effective 02/01/09 |
| Types |
Min. Amount |
APR* As Low As** |
Special Requirements |
| Share/Money Market Secured |
none |
5.25% |
36 month maximum |
| Certificate Secured |
$ 0 - $ 4,999.00 |
CD rate + 2.50% |
|
| Certificate Secured |
>$ 5,000.00 |
CD rate + 2.00% |
|
| |
| **Rates based on credit score and discounts for checking and direct deposit. Maximum discount .50% |
| Home Equity Line of Credit- rates declared effective 06/01/09 |
| Type |
APR* As Low As*** |
Special Requirements |
1st or 2nd mortgage
(11th district C.O.F.) |
4.625% |
144 month maximum/variable |
| Fixed Rate Home Equity Loans - rates declared effective 03/25/09 |
| Maximum Term |
APR* As Low As** |
Special Requirements |
| 60 months |
5.50% |
single family residence only |
| 84 months |
5.75% |
single family residence only |
| 120 months also available |
|
|
|
**Rates based on credit score and discounts for checking and direct deposit and less than 90% loan to value. Maximum discount .50%
Loans to $75,000 1/2% origination fee, $100 minimum; loans held in a trust 1% origination fee, minimum $200, maximum $500.
Additional fee for appraisal and/or title policy, if required to qualify loan
rental property/vacant lots or over 90% loan to value add 1.00% to APR.
***Rates based on maximum loan to value of 90% and approved credit.
A five year, $25,000 loan with APR of 6.75% would require 60 monthly payments of $492.26.
A seven year, $25,000 loan with APR of 6.90% would require 84 monthly payments of $376.12. |
* APR = Annual Percentage Rate
