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Home Equity Line-of-Credit variable rate loans are available offering various terms and rates.                                                   Contact one of our loan officers for additional information.

Effective date 07-28-2010 Rates are subject to change without notice.

 

Credit Score

735 +

 685-734

635-684

600-634

599-less

   
      A          B           C       D     E    

Loans

Rate

 Rate

   Rate  

   Rate 

Rate

Term

 

NEW AUTOMOBILE-TRUCKS-VANS

 4.25

4.75

5.25

 9.25 

11.25

60

Calculator

NEW AUTOMOBILE-TRUCKS-VANS

4.50

5.00

5.50

  9.50

11.50

72

Calculator

NEW RECREATIONAL VEHICLES

 4.50

 4.75

5.25

9.25

11.25

60

Calculator

NEW RECREATIONAL VEHICLES

4.75

5.00 

5.50

 9.50 

11.50

72

Calculator

NEW RECREATIONAL VEHICLES

 5.50

 5.75  

6.25

10.25

12.25

84

Calculator

NEW RECREATIONAL VEHICLES

5.75

6.00

6.50

10.50

12.50

120

Calculator

NEW RECREATIONAL VEHICLES

6.25

6.50

7.00

11.00

13.00 

144

Calculator

USED AUTOMOBILE-TRUCKS-VANS 4 to 8 year old models ( Will loan 85% of NADA Retail Value)

5.75

6.25

6.75

9.75

15.75 

60

Calculator

USED AUTOMOBILE-TRUCKS-VANS Older than 8 years(Will loan 75% of NADA Retail Value)

6.50

7.00

7.50

10.50

16.50

48 

Calculator

USED AUTOMOBILE-TRUCKS-VANS Current model - 3 year old models (Will Loan 90% of NADA Retail Value)

5.25

5.75

6.25

9.25 

15.50 

60

Calculator

USED RECREATIONAL VEHICLES Current model years to 3 years old models (Will Loan 90% of NADA Retail Value)

5.50

5.75 

6.25 

10.25

12.25

60

Calculator

USED RECREATIONAL VEHICLES Current model year to 3 years old models(Will Loan 90% of NADA Retail Value)

5.75

6.00

6.50 

10.5

12.50

72

Calculator

USED RECREATIONAL VEHICLES Current model year to 3 years old models (Willl Loan 90% of NADA Retail Value)

6.50

6.75

7.25

11.25

13.25

84

Calculator

USED RECREATIONAL VEHICLES Current model year to 3 years old models (Will Loan 90% of NADA Retail Value)

6.75

7.00

7.50

11.50

13.50

120

Calculator

USED RECREATIONAL VEHICLES Current model year to 3 years old models (Will Loan 90% of NADA Retail Value)

7.25

7.50

8.00

12.00

14.00

144

Calculator

USED RECREATIONAL VEHICLE 4 to 8 year old models

6.25 

6.75

7.25 

11.25

13.25 

60

Calculator

USED RECREATIONAL VEHICLE 4 to 8 year old models

6.50

7.00

7.50 

11.50

13.50

72

Calculator

USED RECREATIONAL VEHICLE 4 to 8 year old models

6.75

7.25

7.75 

11.75

13.75

84

Calculator

USED RECREATIONAL VEHICLE 4 to 8 year old models

7.00

 7.50

8.00

12.00

14.00 

120

Calculator

USED RECREATIONAL VEHICLE  4 to 8 year old models

7.25

7.75

8.25 

12.25

14.25

144

Calculator

USED RECREATIONAL VEHICLE  8 years and older models

7.25

7.75

8.25

11.25

17.25

60

Calculator

USED RECREATIONAL VEHICLES 8 years and older models

7.50

8.00

8.50

11.50

17.50 

72

Calculator

USED RECREATIONAL VEHICLES 8 years and older models

7.75

8.25

8.75

11.75

17.50 

84

Calculator

LINE OF CREDIT $5,000.00 MAXIMUM

9.90

10.90

12.90

15.90

18.00

36

Calculator

SIGNATURE $6,000.00 MAXIMUM-AMT CAN BE DOUBLED WITH CO-MAKER

9.90

10.90

12.90

15.90

18.00

48 

Calculator

COLLATERALIZED $3,000.00 MAX. Can not exceed 2/3 of purchase price. Paid to merchant.

9.75

10.25

10.75

13.75

16.25

24

Calculator

COLLATERALIZED $4,000.00 MAX. Can not exceed 2/3 of purchase price. Paid to merchant.

9.75

10.25

10.75

13.75

16.25

36

Calculator

COLLATERALIZED $8,000.00 MAX. Can not exceed 2/3 of purchase price. Paid to merchant.

9.75

10.25

10.75

13.75

16.25

48

Calculator

HOME EQUITY/SECOND MORTGAGE - $150,000.00 MAXIMUM - $375 APPL FEE-90% OF APPRAISAL LESS 1ST MORTGAGE

5.00

5.50

6.00

9.25

12.25

60

Calculator

HOME EQUITY/SECOND MORTGAGE-$150,000.00 MAXIMUM-$375 APPL FEE-90% OF APPRAISAL LESS 1ST MORTGAGE

5.75

6.25

6.75

10.00

13.00

120

Calculator

HOME EQUITY/SECOND MORTGAGE-$150,000.00 MAXIMUM-$375 APPL FEE-90% OF APPRAISAL LESS 1ST MORTGAGE

6.50

7.00

7.50

10.75

 13.75

180

Calculator

NEW MANUFACTURED HOME - DOUBLE WIDE, MIN OF 960 SQ FT. Requires a 15% down payment.

7.00

7.50

8.00

9.75

14.00 

60

Calculator

NEW MANUFACTURED HOME - DOUBLE WIDE, MIN OF 960 SQ FT. Requires a 15% down payment.

7.25

7.75

8.25

10.00

14.25 

72

Calculator

NEW MANUFACTURED HOME - DOUBLE WIDE, MIN OF 960 SQ FT. Requires a 15% down payment.

7.50

8.00

8.50

10.25

14.50 

84

Calculator

NEW MANUFACTURED HOME - DOUBLE WIDE, MIN OF 960 SQ FT. Requires a 15% down payment.

7.75

8.25

8.75

10.50

14.75 

120

Calculator

NEW MANUFACTURED HOME - DOUBLE WIDE, MIN OF 960 SQ FT. Requires a 15% down payment.

8.00

8.50

9.00

10.75

15.00 

144

Calculator

NEW MANUFACTURED HOME - DOUBLE WIDE, MIN OF 960 SQ FT. Requires a 15% down payment.

8.75

9.25

9.75

11.50

15.75 

180

Calculator

USED MFG HOME-DOUBLE WIDE, MIN OF 960 SQ FT, 1995 & NEWER. WILL LOAN 80% OF PURCHASE PRICE.

7.50

8.00

8.50

11.50

14.50 

60

Calculator

USED MFG HOME-DOUBLE WIDE, MIN OF 960 SQ FT, 1995 & NEWER. WILL LOAN 80% OF PURCHASE PRICE.

7.75

8.25

8.75

11.75

14.75 

72

Calculator

USED MFG HOME-DOUBLE WIDE, MIN OF 960 SQ FT, 1995 & NEWER. WILL LOAN 80% OF PURCHASE PRICE.

8.00

8.50

9.00

12.00

15.00

84

Calculator

USED MFG HOME-DOUBLE WIDE, MIN OF 960 SQ FT, 1995 & NEWER. WILL LOAN 80% OF PURCHASE PRICE.

9.00   

9.50   

10.00   

13.00   

16.00 

120

Calculator

Shared Secured Loan Rate is 2% over highest Dividend Rate

 

 

 

 

 

 

Calculator

 

*APR = ANNUAL PERCENTAGE RATE
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Effective date:  07-28-2010 Rates are subject to change monthly.

 

Savings Dividend Rate APY* Term
Regular Share Savings Account. $50 to $4,999.99 0.25 0.25 1
Regular Share Savings Account. $5,000.00 to $9,999.99  .50  .50 1
Regular Share Savings Account. $10,000.00 and higher.  .75 .75 1
Christmas Savings Account 0.25 0.25 1
Vacation Savings Account 0.25 0.25 1
IRA Share Savings Account 2.00 2.01 1

 

*APY = ANNUAL PERCENTAGE YIELD
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Certificate rates remain fixed for the term of the certificate. Certificates can be written for a minimum of $500.00

Effective Date 07-28-2010 and subject to change without notice.

 

Certificates Dividend Rate APY* Term
Share Certificate (CD) .50 .50

      3

Share Certificate (CD)

.75

.75

Share Certificate (CD)

1.00

1.01

12

Share Certificate(CD)

1.50

1.51

18

Share Certificate (CD)

1.75

1.76

24

 

 

 

 

 

 

 

 

 

 

 

 

 

*APY = ANNUAL PERCENTAGE YIELD
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