Loan Interest Rates

Auto – New

New Auto Loans with auto pay
APR* = Annual Percentage Rate

Loan TypeTermRates As Low AsEst. Payment Per $1000
New Auto - 100%
New Auto - 100%5 years1.75% APR$17.42
New Auto - 100%6 years1.99% APR$14.75

Auto – Used

Loan TypeTermRates As Low AsEst. Payment Per $1000
Used Auto 0% Down
Used Auto 0% 5 years 1.99 APR* $17.5
Used Auto 0% Down6 years2.49 APR*$14.97
Older Used Auto
2004-2007
4 years3.99 APR*$ 22.59

Motorcycle – New

APR* = Annual Percentage Rate

Loan TypeTermRates As Low AsEst. Payment Per $1000
New Motorcycle 10% Down4 years4.50% APR*$22.91

Personal Loans

Personal Loans (Maximum $10,000) with auto pay
APR* = Annual Percentage Rate

Loan TypeTermRates As Low AsEst. Payment Per $1000
Utility Loans48 Months3.99% APR$22.58
Personal Loan2 years7.99% APR*$45.24
Personal Loan3 years8.99% APR*$31.80
Personal Loan4 years9.99% APR*$25.36

Share Loans

APR* = Annual Percentage Rate

Share Secured LoansAnnual Percentage RateMaximum Percent FinancedEst. Payment Per $1000
48 Months3.05% APR100% of available balance22.16
    
Certificate Secured Loans  
48 Months3.00% over rate100% of available balanceN/A

Home Equity

Equity Loan (maximum $125,000) Fixed Rate
APR* = Annual Percentage Rate

TermRateClosing CostsAPR*75% of Value less 1st Mtg.Estimated Payment per $1,000
5 Years2.75%$300.002.75%$17.86
10 Years3.25%$300.003.25%$ 9.77
15 Years4.00%$300.004.00%$ 7.40

Equity Line of Credit

Equity Line of Credit (maximum $125,000)
Rate may increase after consummation (maximum 18% minimum 4%)
Prime + 0% (currently 4.00%)
Variable rate account.
APR* = Annual Percentage Rate

Loan TypeRateClosing CostsAPR*70% of Value less 1st Mtg.Estimated Payment per $1,000
Equity Line3.50%$300.003.50%$2.88

Mortgages

Purchases 90% with PMI, Refinances no cash out 90% with PMI, cash out 70% of appraised value.

APR* = Annual Percentage Rate  (with auto pay)

TERMPointsRateMinimum Down PaymentAPR*Est. Payment Per $1000
Fixed Rate Mortgages
30 Years03.75%10.00%3.750%$4.63
30 Years13.50%10.00%3.581%$4.49
30 Years23.25%10.00%3.410%$4.35
      
15 Years03.00%10.00%3.00%$6.91
15 Years12.75%10.00%2.894%$6.79
15 Years22.50%10.00%2.787%$6.67
 10 Years 0 2.75% 10.00%2.750%$9.54
5 Years02.75%10.00%2.750%$17.86