Loan Rates

Effective August 19th, 2010


Unsecured/Share Pledged**

Unsecured Loan

Credit Score
Rate
A+
9.00%
A
9.50%
B
13.00%
C
14.50%
D
17.75%

Share Pledged Loan

3% above rate being paid on account pledged


Vehicle Rates**

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  • 100% financing including tax
  • 5yrs old or less: Based on Retail (High) Book Value
  • over 5 yrs. old: Based on Average Book Value

New Auto (2010 - 2009)

Credit Score
Rate
(6-year Loan)
Rate
(5-Year Loan)
A+
4.75%
4.50%
A
4.75%
4.50%
B
6.00%
4.95%
C
6.50%
5.45%
D
9.00%
7.95%

Used Auto


Rate
Credit
Score
2009 /
2008 Vehicle
(5-year Loan)
2007 Vehicle
(5-year Loan)
2006 Vehicle
(5-year Loan)
2005 Vehicle
(4-year Loan)
2004 Vehicle
(4-year Loan)
2003 & Older
(3-year Loan)
A+
5.50%
5.50%
5.50%
5.50%
5.50%
9.50%
A
6.00%
6.00%
6.00%
6.00%
6.00%
10.00%
B
7.00%
7.00%
7.00%
7.00%
7.00%
11.00%
C
7.50%
7.50%
7.50%
7.50%
7.50%
12.50%
D
10.50%
10.50%
10.50%
10.50%
10.50%
14.00%

Recreational Vehicle Rates**

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New Recreational


Rate
Credit Score
3-year Loan
4-year Loan
5-year Loan
6-9 year Loan
10-year Loan
(New Only, $20K min.)
A+
4.75%
4.75%
4.75%
6.00%
6.00%
A
4.75%
4.75%
4.75%
6.00%
6.00%
B
5.75%
5.75%
5.75%
7.00%
7.00%
C
6.00%
6.00%
6.00%
8.00%
8.00%
D
8.25%
8.25%
8.25%
11.50%
11.50%

Used Recreational


Rate
Credit Score
3-year Loan
4 & 5-year Loans
A+
6.25%
6.25%
A
6.25%
6.25%
B
7.00%
7.00%
C
8.50%
8.50%
D
9.50%
9.50%

Mortgage / Home Equity Rates

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Mortgages

Term (Yrs.)
Rate
10-15
5.75%
20
6.25%
30
6.75%


Home Equity

5.75%, 15 Yrs. Maximum Term (Closed End Only)


Note:

  • No Closing Cost Mortgage and Home Equity available permanent - ADD .50%
  • Construction Mortgage rates are same as Mortgage rates above.
  • $150 Application Fee
  • $300 Appraisal Fee

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