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Loans


 

Consumer Account Rates

Effective 04/01/2016

Share Types Term Rate APY Minimum Balance
Share Account N/A 0.10% 0.10% $5.00
Money Market N/A 0.15% 0.15% $2,500.00
Certificates 6 months 0.20% 0.20% $500.00
Certificates/IRA 12 Months 0.30% 0.30% $500.00
  24 Months 0.40% 0.40% $500.00
  36 Months 0.70% 0.70% $500.00
  48 Months 0.80% 0.80% $500.00
  60 Months 1.00% 1.00% $500.00

 

 

Consumer Lending Rates

Effective 11/01/2016

Credit Tier according to Credit Score

Loan Grade A B C D E
Credit Score 680+ 640-679 580-639 540-579 539 & below

 

 

 

Auto Loans

New/Used Autos 2015 & Newer**
Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months
A 1.99% 2.49% 2.99% 3.49% 4.49%
B 2.99% 3.49% 3.99% 4.49% 5.49%
C 8.99% 9.49% 9.99% 10.49% 10.99%
D 15.49% 15.99% 16.49% 16.99% N/A
E 16.49% 16.99% 17.49% 17.99% N/A

 

 

Used Autos 2005-2014**
Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months
A 2.99% 3.49% 3.99% 4.49% 4.99%
B 4.99% 5.49% 5.99% 6.49% 6.99%
C 10.99% 11.49% 11.99% 12.49% 12.99%
D 15.49% 15.99% 16.49% 16.99% N/A
E 16.49% 16.99% 17.49% 17.99% N/A

 

 

Used Autos 2004 & Older**
Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months
A 3.99% 4.49% N/A N/A N/A
B 6.99% 7.49% N/A N/A N/A
C 11.99% 12.49% N/A N/A N/A
D 16.49% 16.99% N/A N/A N/A
E 17.49% 17.99% N/A N/A N/A

** For Motorcylce add .50% to rates **Classic Cars use Tier 2 pricing. Must be 30 years old/good condition**

 


Other Recreational Collateral

New Other Recreational Collateral 2015 & Newer

Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months 120 Months
A 4.99% 5.24% 5.49% 5.74% 5.99% 6.24%
B 5.99% 6.24% 6.49% 6.99% 7.24% 7.49%
C 8.99% 9.24% 9.49% 9.74% 9.99% 10.24%
D 13.99% 14.49% 14.99% 15.49% 15.99% N/A
E 14.99% 16.49% 16.99% 17.49% 17.99% N/A

 

 

Used Other Recreational Collateral 2014 & Older
Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months 120 Months
A 4.99% 6.24% 6.49% 6.74% 6.99% 7.24%
B 6.99% 7.24% 7.49% 7.74% 7.99% 8.24%
C 10.99% 11.24% 11.49% 11.74% 11.99% 12.49%
D 14.99% 15.24% 15.49% 15.74% 15.99% N/A
E 16.99% 17.24% 17.49% 17.71% 17.99% N/A

** All Terms of 120 Months are subject to loan balances of $50K and above **

Unsecured Line of Credit

Loan Grade A B C D E
Rate 8.99% 10.99% 12.99% 16.99% 17.99%

 

 

Signature Loan

Loan Grade 36 Months 48 Months 60 Months
A 6.99% 7.99% 8.99%
B 8.99% 9.99% 10.99%
C 11.49% 11.99% 12.99%
D 15.99% 16.49% N/A
E 16.99% 17.49% N/A

 

 

Loan Type Origination Fee Rate
Tax Refund Loan $125.00 7.99%
Vacation Check Loan $125.00 7.99%
Shared Secured Loan N/A 3% plus dividend rate

 

 

Visa Classic Credit Card

Loan Grade A B C D E
Rate 6.99% 8.99% 12.99% 16.99% 17.99%
* Rates are subject to change. All loan rates quoted as annual percentage rates. Loan rates may vary depending on credit qualifications including term of loan, year of vehicle, and credit history. Please call or come in for your qualifying rate.