Rates

Loan Rates Account Rates Share Certificates Schedule of Fees Recreational Vehicles

Effective as of: January 1, 2014
Loan Rates - Autos
TermRate
New Autos
100% Financing of Purchase Price
5 Years2.75% to 16.25%
6 Years - Loans $20,000 or greater3.25% to 6.50%
7 Years - Loans $30,000 or greater3.25% to 6.75%
Used Autos
Five Years Old or Less, 100% Of Retail Value Financing
4 Years - Loans Less Than $11,0003.25% to 16.75%
5 Years - Loans $11,000 or greater3.25% to 16.75%
6 Years - Loans $20,000 or greater4.25% to 7.25%
7 Years - Loans of $30,000 or greater4.50% to 7.50%
Used Autos
More Than Five Years Old
5 Years - Loans of $11,000 or greater6.00% to 14.00%
Loan Rates - Motorcycles and Personal Watercraft
TermRates
New Motorcycles and Personal Watercraft*
100% Financing of Purchase Price
5 Years3.25% to 12.25%
6 Years - Loan $20,000 or greated3.75% to 6.50%
*Maximum Term 6 Years
Used Motorcycles and Personal Watercraft*
Five Years Old or Less, 100% Of Retail Value Financing*
4 Years- Loans Less Than $11,0003.75% to 12.75%
5 Years - Loans $11,000 or greater3.75% to 12.75%
6 Years - Loans $20,000 or greater4.75% to 7.25%
*Maximum Term 6 Years
Used Motorcycles and Personal Watercraft
More Than Five Years Old
5 Years - Loans of $11,000 or greater6.50% to 14.00%
Loan Rates - Signature, Overdraft Loan, Share Secured and Visa
TermRate
Signature Loans
5 Years - Maximum amount $10,000**9.70% to 17.50%
**Actual loan amount and terms available based upon applicant´s qualifications
Overdraft Coverage
$500.00 or $1,000 Line of Credit15.00%
Share Secured
Maximum loan amount equal to share balanceDividend Plus 3.0%
Visa Credit Cards
Available limits; $1,000 to $10,000**8.95%
First Time Cardholders, Credit Rebuilding limit; $500.0013.9%
**Actual credit limit granted based upon applicant´s qualifications
Loan Discounts
A total interest rate deduction, not to exceed 1.00%, may be obtained as follows:
New Autos, Motorcycles and Personal Watercraft
10% down payment =-0.25%
20% down payment =-0.50%
Share Draft Account with Debit Card =-0.25%
Credit Union VISA Account =-0.25%
Automatic payment by Direct Deposit =-0.25%*
Used Autos, Motorcycles, and Personal Watercraft
Five Years Old or Less
90% of Retail Value =-0.25%
80% of Retail Value =-0.50%
Share Draft Account with Debit Card =-0.25%
Credit Union VISA Account =-0.25%
Automatic payment by Direct Deposit =-0.25%*
Used Autos, Motorcycles and Personal Watercraft
More Than Five Years Old
Share Draft Account with Debit Card =-0.25%
Credit Union VISA Account =-0.25%
Automatic payment by Direct Deposit =-0.25%*
Signature Loans
Share Draft Account with Debit Card =-0.25%
Credit Union VISA Account =-0.25%
Automatic payment by Direct Deposit =-0.25%*
*If automatic payment by Direct Deposit is discontinued during the term of a loan the applicable interest rate will be adjusted (increased) as appropriate.
 
Recreational Vehicle and Boat Loans
Recreational Vehicle loans are available for a maximum term of 15 years for Motorhomes and Travel Trailers, 12 years for Boats. See seperate loan rates for detailed information concerning loan amounts and interest rates.