|
Rates as of 3/17/2011 |
|
Loan Type
|
Maximum Amount
|
Max Term
|
APR*
|
|
Signature
|
$6,000.00 above the amount of shares pledged on the loan
|
36 mos
48 mos
|
15.00%
15.99%
|
|
90
Day Note
|
Included in signature loan limit
|
90
Days
|
10.00%
|
|
Share Secured
|
up
to the amount of shares pledged on the loan
|
12 months
24 months
36 months
48 months
60 months
|
4.00%
4.50%
5.00%
5.50%
6.00%
|
|
Share Certificate Secured
|
up
to present amount of share certificate
|
60 months
|
2.00% above dividend;
minimum being same as Share Secured rates
|
|
New
& Current Year Auto
|
up
to 100% of sale price plus tax and title fees
|
36 mos
48 mos
60 mos
72 mos
|
2.99%
3.24%
3.49%
4.99%
|
|
1-2
Year Old Auto
|
up
to 90% NADA retail value plus tax and title fees
|
same as new auto
|
add .50% to
new auto rates
|
|
3
Year Old Auto
|
up
to 90% NADA retail value plus tax and title fees
|
** 36 mos
** 60 mos
** 72 mos
|
add .75% to
new auto rates
|
|
4-5
Year Old Auto
|
up
to 90% NADA retail value plus tax and title fees
|
** 36 mos (under
$10,000.00)
|
add 1.00% to
new auto rates
|
|
6-7
Year Old Auto
|
up
to 90% NADA retail value plus tax and title fees
|
** 36 mos (under
$10,000.00)
|
add 1.50% to
new auto rates
|
|
Used Auto (bringing from
another financial institution)
|
up
to payoff amount (depends on
NADA retail value, credit, & debt ratios)
|
remaining term or # of months according to this policy
|
depends on year
|
|
Christmas/Holiday Loan ***
|
$5,000.00
|
12
months
|
7.99%
|
|
New
Water Craft
|
up
to 100% of sale price plus tax and title fees
|
36 mos
48 mos
60 mos
72 mos
|
3.99%
4.29%
4.49%
4.99%
|
|
Used Water Craft
|
85%
financing
|
<$10,000 48 mos
>$10,000 60 mos
|
same as used autos (depends
on the year)
|
|
New
Motor Homes
|
up
to 100% of sale price plus tax and title fees
|
<$30,000 60 mos
>$30,000 120 mos
|
same as new auto rate
If
>5 years, add 1.00%
|
|
Used Motor Homes
|
NADA recreation vehicle loan value
|
<$30,000 60 mos
>$30,000 120 mos
|
same as used autos (depends on year)
If
>5 years, add 1.00%
|
|
New
Motorcycles
|
same as new auto
|
same as new auto
|
same as new auto
|
|
Used Motorcycles
|
same as used auto
|
same as used auto
|
same as used auto(depends on the year)
|
|
New
All Terrain Vehicle
|
same as new auto
|
same as new auto
|
add
1.50% to new auto rates
|
|
Used All Terrain Vehicle
|
same as used auto
|
same as used auto
|
add
1.50% to used auto rates
|
|
New
Travel Trailer
|
same as new auto
|
<$30,000 60 mos >$30,000 120 mos
|
add
1.50% to new auto rates
|
|
Used Travel Trailer
|
NADA recreational vehicle loan value
|
<$30,000 60 mos
>$30,000 120 mos
|
add
1.50% to used auto rates
|
|
Tractors, Farm & Garden Implements
|
100% of purchase price
|
36 months
48 months
|
6.90%
7.90%
|
|
Home Appliances or Equipment
Utilized Storage Bldgs or like items
|
100% of purchase price
|
12 months
24 months
|
10.50%
11.50%
|