# Loan Rates

**Automobiles, Cars, Trucks, New and Used**

Rates are current as of: 16-Jan-20 and subject to change without notice.

Description | Maximum Term | APR* as low as | Payment Example |
---|---|---|---|

New Auto/Truck/Van (CE) | 48 to 54 months (4) | 3.50% | Calculate |

New Auto/Truck/Van (CE) | 60 months (3) | 3.50% | Calculate |

New Auto/Truck/Van (CE) | 66 months (2) | 3.80% | Calculate |

New Auto/Truck/Van (CE) | 72 months (2) | 4.25% | Calculate |

New Auto/Truck/Van (CE) | 84 months (2) | 4.80% | Calculate |

(2019-2018) Used Auto/Truck/Van (CE) | 60 months (3) | 3.65% | Calculate |

(2019-2018) Used Auto/Truck/Van (CE) | 66 months (3) | 3.90% | Calculate |

(2019-2018) Used Auto/Truck/Van (CE) | 72 months (3) | 4.35% | Calculate |

(2019-2018) Used Auto/Truck/Van (CE) | 84 months (3) | 5.10% | Calculate |

(2017-2016) Used Auto/Truck/Van (CE) | 60 months (3) | 4.05% | Calculate |

(2017-2016) Used Auto/Truck/Van (CE) | 66 months (2) | 4.20% | Calculate |

(2017-2016) Used Auto/Truck/Van (CE) | 72 months (2) | 4.50% | Calculate |

(2015-2014) Used Auto/Truck/Van (CE) | 60 months (3) | 4.35% | Calculate |

(2015-2014) Used Auto/Truck/Van (CE) | 66 months (2) | 4.50% | Calculate |

(2013-2012) Used Auto/Truck/Van (CE) | 48 months (4) | 4.55% | Calculate |

(2013-2012) Used Auto/Truck/Van (CE) | 60 months (3) | 5.25% | Calculate |

(2011-2010) Used Auto/Truck/Van (CE) | 36 months | 5.10% | Calculate |

(2011-2010) Used Auto/Truck/Van (CE) | 48 months | 5.25% | Calculate |

(2011-2010) Used Auto/Truck/Van (CE) | 60 months | 5.50% | Calculate |

(2009 or Older) Used Auto/Truck/Van (CE) | 36 months | 5.95% | Calculate |

(2009 or Older) Used Auto/Truck/Van (CE) | 48 months | 6.05% | Calculate |

(2009 or Older) Used Auto/Truck/Van (CE) | 60 months | 6.30% | Calculate |

(1) Purchase price will be supported by purchase order from dealer and may include sales tax and extended warranty.

(2) NADA Value and the purchase price must exceed $15,000.00 to get maximum term.

(3) NADA Retail Value must be $10,000.00 or greater to get maximum term.

(4) NADA Retail Value must be $5,000.00 or greater to get maximum term.

**Mobile Homes & Recreational Vehicles**

Rates are current as of: 16-Jan-20 and subject to change without notice.

Description | Maximum Term | APR* as low as | Payment Example |
---|---|---|---|

New Mobile Home (CE) | 96 months (2) | 9.50% | Calculate |

(2019-2016) Used Mobile Home (CE) | 84 months (2) | 9.50% | Calculate |

(2015-2010) Used Mobile Home (CE) | 72 months (2) | 9.50% | Calculate |

(2009-2005) Used Mobile Home (CE) | 60 months (3) | 9.50% | Calculate |

New Motorcycle/ATV/OffRoad (CE) | 60 months (4) | 4.00% | Calculate |

New Motorcycle/ATV/OffRoad (CE) | 66 months (3) | 4.25% | Calculate |

New Motorcycle/ATV/OffRoad (CE) | 72 months (2) | 4.75% | Calculate |

(2019-2017) Used Motorcycle/ATV/OffRoad (CE) | 60 months (4) | 4.50% | Calculate |

(2016-2015) Used Motorcycle/ATV/OffRoad (CE) | 60 months (4) | 5.00% | Calculate |

(2014) Used Motorcycle/ATV/OffRoad (CE) | 60 months | 5.25% | Calculate |

(2013-2012) Used Motorcycle/ATV/OffRoad (CE) | 60 months | 5.50% | Calculate |

(2011-Older) Used Motorcycle/ATV/OffRoad (CE) | 48 months (4) | 6.25% | Calculate |

New Watercraft (CE) | 60 months (3) | 4.00% | Calculate |

New Watercraft (CE) | 72 months (2) | 5.00% | Calculate |

New Watercraft (CE) | 84 months (2) | 6.50% | Calculate |

(2019-2015) Used Watercraft (CE) | 60 months (3) | 4.75% | Calculate |

(2019-2015) Used Watercraft (CE) | 66 months (3) | 5.25% | Calculate |

(2019-2015) Used Watercraft (CE) | 72 months (2) | 5.50% | Calculate |

(2014-2013) Used Watercraft (CE) | 60 months (3) | 5.75% | Calculate |

(2012-2011) Used Watercraft (CE) | 60 months | 5.99% | Calculate |

(2010-Older) Used Watercraft (CE) | 60 months (3) | 6.25% | Calculate |

New Motorhome/Camper (CE) | 60 months (3) | 4.30% | Calculate |

New Mortorhome/Camper (CE) | 72 months (2) | 5.25% | Calculate |

New Motorhome/Camper (CE) | 84 months (2) | 6.50% | Calculate |

(2019-2016) Used Motorhome/Camper (CE) | 60 months (3) | 5.00% | Calculate |

(2019-2016) Used Motorhome/Camper (CE) | 72 months (2) | 5.75% | Calculate |

(2015-2013) Used Motorhome/Camper (CE) | 60 months (3) | 5.90% | Calculate |

(2012-Older) Used Motorhome/Camper (CE) | 60 months (3) | 5.99% | Calculate |

(1) Purchase price will be supported by purchase order from dealer and may include sales tax and extended warranty.

(2) NADA Value and the purchase price must exceed $15,000.00 to get maximum term.

(3) NADA Retail Value must be $10,000.00 or greater to get maximum term.

(4) NADA Retail Value must be $5,000.00 or greater to get maximum term.

(5) NADA Value and the purchase price must exceed $5,000.00 to get maximum term.

**Other Secured Loans**

Rates are current as of: 8-Aug-19 and subject to change without notice.

Description | Maximum Term | APR* as low as | Maximum Amount | Payment Example |
---|---|---|---|---|

Share Secured (CE) | 60 months | 2.05% | $100,000.00 | Calculate |

Share Secured (CE) | 120 months | 3.05% | $100,000.00 | Calculate |

Certificate Secured (CE) (1) | 120 months | $100,000.00 | Calculate | |

All Other Secured (CE) (2) | 12 up to 48 months | 8.25 to 10.00 % | Fair Mkt Value | Calculate |

(1) Certificate secured loan rate is based on rate paid on certificate plus 3.00%

(2) Rate is determined by the term of the loan.

**Unsecured Loans**

Rates are current as of: 16-Jan-20 and subject to change without notice.

Description | Maximum Term | APR* as low as | Payment Example |
---|---|---|---|

Signature (CE) | 12 months | 7.75% | Calculate |

Signature (CE) | 24 months | 7.99% | Calculate |

Signature (CE) | 36 months | 8.50% | Calculate |

Signature (CE) | 48 months (3) | 9.00% | Calculate |

Signature (CE) | 60 months (3) | 9.25% | Calculate |

Line of Credit (LC) | 3% of credit limit (4) | 12.00% | Calculate |

Overdraft Protection (LC) | 3% of credit limit (4) | 12.00% | Calculate |

Visa Classic Credit Card | 3% of unpaid balance (5) | 12.00% | Calculate |

Visa Gold Credit Card | 3% of unpaid balance (5) | 6.75% | Calculate |

(1) The unsecured limit depends on job security, stability, ability to repay and credit history. The maximum term on unsecured is 60 months.

(2) Advances will be made to the overdrawn account until it is brought up to zero, not exceeding the maximum loan limit.

(3) Requires a $5,000 minimum loan and a credit score of 650 or above.

(4) Minimum payment is $40.00 per month

(5) Minimum payment is $25.00 per month

**Real Estate Loans**

Rates are current as of: 23-Jan-20 and subject to change without notice.

Description | Maximum Term | APR* as low as | Maximum Amount | Payment Example |
---|---|---|---|---|

First Mortgage (RE) (7) | 180 months | 3.125% | $300,000 max | Calculate |

First Mortgage (RE) (7) | 240 months | 3.50% | $300,000 max | Calculate |

First Mortgage (RE) (7) | 360 months | 3.625% | $300,000 max | Calculate |

Home Equity Fixed Rate (RE) | 60 months | 4.30% | $150,000 max (4) | Calculate |

Home Equity Fixed Rate (RE) | 120 months | 4.75% | $150,000 max (5) | Calculate |

Home Equity Fixed Rate (RE) | 180 months | 5.25% | $150,000 max (5) | Calculate |

Home Equity Line of Credit (RE) | 180 months (3) | 3.75% (2) | $150,000 max (1) | Calculate |

Refinanced 1st Mortgage (RE) | 60 months (6) | 3.00% | $300,000 max (4) | Calculate |

Refinanced 1st Mortgage (RE) | 120 months (6) | 3.00% | $300,000 max (4) | Calculate |

Refinanced 1st Mortgage (RE) | 180 months | 3.125% | $300,000 max (4) | Calculate |

Refinanced 1st Mortgage (RE) | 240 months | 3.75% | $300,000 max (4) | Calculate |

Home Improvement FHA | 60 months | 5.25% | $25,000 max | Calculate |

Home Improvement FHA | 120 months | 5.75% | $25,000 max | Calculate |

(1)Based on 80% of appraised value less amount of first mortgage.

(2) The rate on Home Equity Lines of Credit is set monthly. The rate is equal to the Wall Street Prime less 1.00%. Lines of Credit have a nominal floor rate of 3.00% APR and a maximum rate ceiling of 15.00% APR.

(3) The term on Home Equity Lines of Credit includes a 10 year draw period and a 15 year repayment period. Payment is equal to 1.50 % of amount advanced subject to a $100 minimum payment.

(4) Based on 85% of appraised value of property.

(5) Based on 80% of appraised value of property.

(6) Internal refinances are required to add $10,000 or more.

(7) Loan to value and down payment requirements subject to eligibility, see mortgage loan officer for details.

***APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.**