| *All rates subject to change. |
|
|
|
| Loan Type |
Requirements |
Months |
A.P.R
Annual Percentage Rate |
| VISA CLASSIC/GOLD |
No Annual FEE |
27 |
|
| Share Secured |
|
|
2.5% over share secured rate |
New Vehicles*
*Subtract 0.25% for ACH or
payroll deduction.
**Rates may vary based on credit
qualifications, term of loan, year of
vehicle, equity in vehicle and mileage
of vehicle.
|
100% of M.S.R.P. |
48
66
72
84 |
As low as 2.75%
As low as 2.95%
As low as 3.50%
As low as 4.95% |
New RV's*
*Subtract 0.25% for ACH or
payroll dedcution.
**Rates may vary based on credit
qualifications, term of loan, year of
vehicle, equity in vehicle and mileage
of vehicle
|
100% of Sticker |
48
60
61-84
$25K + 120 |
As low as 4.00%
As low as 4.95%
As low as 5.25%
As low as 5.95% |
Used Vehicles*
(Auto or Truck)
*Subtract 0.25% for ACH or
payroll dedcution.
**Rates may vary based on credit
qualifications, term of loan, year of
vehicle, equity in vehicle and mileage of vehicle.
|
100% of NADA retail value
2009 - 2012 Models
|
48
60
66
72 |
As low as 2.75%
As low as 2.95%
As low as 3.30%
As low as 3.50% |
| Used Vehicles* |
2005 - 2008 Models |
36
48
60 |
As low as 3.95%
As low as 4.10%
As low as 4.50% |
Used Vehicles*
**Rates may vary based on credit
qualifications, term of loan, year of
vehicle, equity in vehicle and mileage of vehicle.
|
2004 - 2000 Models
$0.00 to $1,000
$1,001 to $4,000
$4,001 and over |
12
24
36 |
As low as 5.90% |
Used RV's*
Subtract 0.25% for ACH or
payroll dedcution.
|
80% of NADA retail value |
60 |
As low as 5.95% |
Used RV's*
**Rates may vary based on credit
qualifications, term of loan, year of
vehicle, equity in vehicle and mileage of vehicle.
|
$20,000 or greater |
84 |
As low as 6.50% |
| Personal Line of Credit |
Based on years service
Min. $500 - Max .$12,000 |
48 |
As low as 7.95% |
|
|
|
|
| Specialty |
***Rate based on credit qualifications |
12 |
As low as 5.95% |
| Appliance Loan |
|
up to 72 months |
8.25% |
| New And Used Farm Equipment |
|
60
36 |
7.95%
8.95% |
| Mortgage *These rates for loans $30,000 and greater. Add 1% to rates for loans less than $30,000 |
First/Refinance |
180
240
360 |
Call for Quote
Call for Quote
Call for Quote
|
| Construction |
|
|
5.500% |
| 1/1 Adjustable Rate Mortgage |
80% Max |
360 |
1.95% |
| 3/1 Adjustable Rate Mortgage |
|
360 |
5.00% |
3 Year Ballon
5 Year Balloon |
80% Max
80% Max |
360
360 |
1.99%
2.35% |
|
*These rates are for loans $30,000 and greater. Add 1.00% to rate for loans less than $30,000.
Equity line of credit(variable rate) |
90% appraised value |
300 |
4.25% |
| Home Improvement |
85% of appraised value
Max. $50,000 |
60
120 |
5.55%
6.45% |
| Unimproved Property |
80% of appraised value |
120
180 |
7.60%
8.15% |
| Quick-Fix** |
Max. $10,000
Min. $4,000 |
60 |
As low as 6.65%** |
* Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle.
** Rate is based on credit qualifications. |
| Savings Rates |
|
A.P.Y. **
Annual Percentage Yield |
| Regular Shares |
|
0.10% |
| Super Shares |
|
0.25% |
| Share Plus Balance |
$2,500 - $50,000...........................................
Greater than $50,000 ................................... |
0.35%
0.55% |
| Club Level Money Market |
Five Star & Silver Star Members Only
$5000 - $49,999
$50,000 + |
0.40%
0.65% |
Share Certificates
Any Silver Star 55+ or 5 Star Member
Can add .25% to any new Certificate* |
|
|
| |
3 Months*
3 Mo. Youth CD ($500 min $2500 max
17 years & Younger)
|
0.25%
6.00%
|
| |
6 Months * |
0.35% |
| |
1 Year * |
0.45% |
| |
2 Years * |
0.70% |
| |
3 Years * |
1.05% |
| |
5 Years* |
1.75% |
| |
|
|
| IRA & Roth IRA Share |
|
0.50% |
| Health Savings Accounts |
|
0.50% |
| IRA/Roth/Education CD |
1 Year CD.........................................................
2 Year CD.........................................................
3 Year CD......................................................... |
0.75%
1.45%
1.90% |
| Coverdell ESA |
|
1.00% |
| Holiday Club |
|
0.25% |
| Vacation Club |
|
0.25% |
| Business Draft |
|
0.15% |
| Share Draft/Checking |
|
0.00% |
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