Loan Rates
competitive loan rates for qualifying members
Effective Feb 6th, 2012
| Automobiles |
Rate |
Term |
New Autos (2009-2011 models)
New Autos SPECIAL |
2.47% to 11.20%
2.22% to 12.00% |
72 months
60 months |
| New Autos SPECIAL |
1.97% |
48 months |
| Used Autos (2008 and older models) |
4.00% to 12.50% |
48 - 60 months |
| *Loan terms exceeding 72 months for new autos and 60 months for used autos add 0.50% : Lowest rate on approved credit |
| Recreational Vehicles, Boats & Pianos |
Rate |
Term |
| New Recreational Vehicles |
6.00% to 13.75% |
120 months |
| Used Recreational Vehicles (1 yr. & older) |
6.75% to 13.75% |
84 months |
Personal Recreational Vehicles
(Motorcycles, ATV's, Snowmobiles, Jet Skis, etc.) |
Rate |
Term |
| New Personal Recreational Vehicles |
7.29% to 14.29% |
60 months |
| Used Personal Recreational Vehicles |
8.79% to 15.79% |
48 months |
| Signature |
Rate |
Term |
| Signature Short Term |
11.00% to 17.00% |
12 months |
| Signature Long Term |
12.50% to 18.00% |
60 months |
| Share Pledge |
Rate |
Term |
| Share Pledge |
2.00% over share or certificate rate |
60 months |
| Line of Credit |
Rate |
Term |
| Line of Credit |
12.00% |
60 months |
| Overdraft Protection |
Rate |
Term |
| Overdraft Protection |
15.00% |
Revolving |
| Credit Cards |
Rate |
Term |
| Visa Classic (720+ Credit Score) |
7.90% |
Revolving |
| Visa Classic (719 to 670 Credit Score) |
9.90% |
Revolving |
| Visa Classic (669 & Lower Credit Score) |
12.90% |
Revolving |
| Mobile Homes |
Rate |
Term |
| New Mobile Home |
11.00% |
180 Months |
| Used Mobile Home (1-5 Yrs) |
12.00% |
144 Months |
| Used Mobile Home (6 yrs. & older) |
13.00% |
120 Months |
| Mobile Home With Land |
Call For Terms |
120 Months |
| Home Loans |
Rate |
Term |
| 1st Mortgage |
3.42% |
15 Years |
| 1st Mortgage |
3.99% |
15+ Years |
| 2nd Mortgage (consolidation) |
Call For Terms |
15 Years |
| Land Only |
Call For Terms |
10 Years |
| Home Equity Line |
Call For Terms |
Revolving |
Rates published are "best" available rates and may differ based on your financial situation. All rates with the exception of mortgage rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Rates are set by the Board of Directors and are typically updated weekly. Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy.
Mortgage rates are quoted as the interest rate only. APR will be calculated based on the amount financed and the term of the loan.
