Loan Rates
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Effective Date: August, 2008
     
New Vehicle Term Base Rate
  6 - 60 Months 6.49%
  72 Months 7.49%
     
Used Vehicle (2002 or Newer)
Up to Two (2) model years old
6 - 60 Months 6.49%
Three (3) and Four (4) model years old
6 - 48 Months 6.74%
Five (5) and Six (6) model years old
6 - 48 Months 7.24%
   
RV/ Util/ Boat (Finanace 80% Used, )
  36 Months 8.99%
  60 Months 9.49%
  96 Months 9.99%
  120 Months 11.49%
     
Fixed Home Equity Loans (Minimum $3000)
Up to 80% LTV. Requires HVE or Market Analysis/Appraisal.
  36 Months 5.24%
  60 Months 5.74%
  96 Months 5.99%
  120 Months 6.24%
  144 Months 6.49%
  180 Months 6.74%
     
Up to 90% LTV. Requires Market Analysis or Appraisal.
  36 Months 7.49%
  60 Months 7.99%
  96 Months 8.49%
  120 Months 8.74%
  144 Months 9.24%
  180 Months 9.50%
     
Home Equity Line of Credit
  80% LTV 5.00%
  90% LTV 6.50%
     
Fixed Signature
    11.0%
     
Signature Line
    9.50%
     
VISA
    12.90%
     
Share Secured
    5.50%

Annual percentage rate is determined by the board of directors on a monthly basis. Rates subject to change without prior notice.


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