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History
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Vehicle Loans (Auto, ATV, Jet Ski, & Motorcycles) New or Used Model**
| Year |
Term |
Annual Percentage Rate (APR) |
| 2003 - 2010 |
36 Months |
3.9% - 11.9% * |
| 2003 - 2010 |
48 Months |
4.9% - 12.9% * |
| 2006 - 2010 |
60 Months |
4.9% - 12.9% * |
2008 - 2010
$15,000-50,000 |
72 Months |
5.9% - 13.9% * |
1998 - 2002
(NADA Loan Value Only) |
36 Months |
8.25% - 17.25% * |
Recreational Vehicles (Boats/Trailers/Motors, Pop-up Campers, Travel Trailers, & Motor Homes) New or Used Model** (10% down required)
| Year |
Term |
Annual Percentage Rate (APR) |
| 2003 - 2005 |
60 Months |
5.75% - 13.75% * |
| 2006 - 2009 |
96 Months |
6.75% - 14.75% * |
| 2010 |
120 Months |
7.75% - 15.75% * |
Unsecured Loans
| Signature |
Term |
Annual Percentage Rate (APR) |
| Signature |
Up to 60 Months |
10.0% - 18.0% * |
Certificate Secured
| Certificate |
| 2% above the rate on the certificate being pledged. |
Share Secured Loans
| Term |
Annual Percentage Rate (APR) |
| 0 - 12 months |
4.0% |
| 13 - 24 months |
4.5% |
| 25 - 36 months |
5.0% |
| 37 - 48 months |
5.5% |
| 49 - 60 months |
6.0% |
| 61 - 96 months |
7.0% |
Real Estate Purchase
| Term |
Annual Percentage Rate (APR) |
| 10 Years or Less |
5.50% |
| Over 10 Years - 20 Years |
5.75% |
Equity Out / Refinance
| Term |
Annual Percentage Rate (APR) |
| 6 Years or Less |
4.75% |
| Over 6 Years - 10 Years |
5.50% |
| Over 10 Years - 15 Years |
5.75% |
| Over 15 Years - 20 Years |
6.00% |
Bare Land
| Term |
Annual Percentage Rate (APR) |
| 10 Years |
6.00% |
* Your APR may vary depending on your credit worthiness.
** 1/2 discount with 20% down.
Credit Cards
| Type |
Annual Percentage Rate (APR) |
Annual Fee |
| Visa® Secured |
10.8% |
None |
| Visa® Classic |
12.6% |
None |
| Visa® Gold |
9.9% |
None |
| MasterCard |
12.6% |
None |
Share Certificates Accounts ($1000.00 minimum. A penalty will or may be imposed for early withdrawal.)
| Term |
Annual Dividend Rate |
Annual Percentage Yield (APY) |
| 6 Months |
1.00% |
1.01% |
| 12 Months |
1.25% |
1.26% |
| 24 Months |
1.75% |
1.77% |
IRA Accounts ($100.00 minimum. A penalty will or may be imposed for early withdrawal.)
| Term |
Annual Dividend Rate |
Annual Percentage Yield (APY) |
| 1 Year |
1.25% |
1.26% |
| 3 Year |
1.75% |
1.77% |
Share Accounts ($25.00 minimum. Rates may change after account is opened.)
| Type |
Annual Dividend Rate |
Annual Percentage Yield (APY) |
| Regular Share |
0.75% |
0.76% |
| Extra Share |
0.75% |
0.76% |
| Club Share |
0.75% |
0.76% |
| Joint Share |
0.75% |
0.76% |
| Christmas Club |
0.75% |
0.76% |
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