NEW VEHICLES

Vehicle Year
Terms
Daily Periodic Rate Range
Annual Percentage Range
Annual Percentage Base
-         Up To 84
0.008904%-0.047260%
3.25%-17.25%
7.25%
-Up To 72
0.008904%-0.044520%
3.25%-16.25%
6.25%

-Up To 60
0.008904%-0.041095%
3.25%-15.00%
5.00%

-Up To 48
0.008904%-0.039726%
3.25%-14.50%
4.75%

USED VEHICLES

Vehicle Year
Terms
Daily Periodic Rate Range
Annual Percentage Range
Annual Percentage Base
2011-2017 Up To 84 0.009589%-0.045890%
3.50%-16.75%
6.75%
Up To 72 0.009589%-0.043150%
3.50%-15.75%
5.75%
Up To 60 0.009589%-0.040410%
3.50%-14.75
4.75%
2006-2010Up To 840.010274%-0.049315%
3.75%-18.00%
8.75%
Up To 720.009589%-0.048630%
3.50%-17.75%
7.75%
Up To 600.009589%-0.045890%
3.50%-16.75%
6.75%


Older0.013014%-0.049315%
4.75%-18.00%
9.75%

NEW MOTORCYCLE, BOAT AND CAMPER

Vehicle Year
Terms
Daily Periodic Rate Range
Annual Percentage Range
Annual Percentage Base
-         Up To 144
0.011644%-0.049315%
4.25%-18.00%
9.00%

-Up To 120
0.011644%-0.049315%
4.25%-18.00%
9.00%

-Up To 84
0.011644%-0.049315%
4.25%-18.00%
8.50%

-Up To 72
0.011644%-0.049315%
4.25%-18.00%
8.00%

-Up To 60
0.011644%-0.042465%
4.25%-15.50%
5.50%

USED MOTORCYCLE, BOAT AND CAMPER

Vehicle Year
Terms
Daily Periodic Rate Range
Annual Percentage Range
Annual Percentage Base
2011-2017Up To 144
0.013698%-0.049315%
5.00%-18.00%
10.00%

Up To 120
0.013698%-0.049315%
5.00%-18.00%
10.00%

Up To 84
0.012328%-0.049315%
4.50%-18.00%
9.50%

Up To 72
0.011644%-0.049315%
4.25%-18.00%
9.00%

Up To 60
0.011644%-0.045205%
4.25%-16.50%
6.50%

2006-2010Up To 144
0.016438%-0.049315%
6.00%-18.00%
11.00%

Up To 120
0.016438%-0.049315%
6.00%-18.00%
11.00%

Up To 84
0.015068%-0.049315%
5.50%-18.00%
10.50%

Up To 72
0.013698%-0.049315%
5.00%-18.00%
10.00%

Up To 60
0.011644%-0.047945%
4.25%-17.50%
7.50%

OlderUp To 84
0.016438%-0.049315%
6.00%-18.00%
11.00%

Up To 72
0.015068%-0.049315%
5.50%-18.00%
10.50%

Up To 60
0.011644%-0.049315%
4.25%-18.00%
8.00%

HOME EQUITY LINE OF CREDIT

  • Variable Rate tied to Prime Rate (floor of 4.00%)
  • Discount of .50% if credit score is over 700 at approval (floor of 4.00%)
  • Variable rate, may change annually starting January 1st

FIXED RATE 2ND MORTGAGE

We offer 5, 10, 15 year term fixed rate 2nd mortgage home loans.  At this time, the rates are between 4.50 and 5.50% APR.

Please contact your local branch for the current rate.

Payment Example 1
Payment $18.65 per $1,000 financed
for a 60 month term at 4.50% APR*

Payment Example 2

Payment $10.61 per $1,000 financed
for a 120 month term at 5.00% APR*

Payment Example 3

Payment $8.18 per $1,000 financed
for a 180 month term at 5.50% APR*

*Annual Percentage Rate

LAND RATES

  • Five Year Fixed Land Loans, Rate 6.75%
  • Rural land up to 65% Loan to Value
  • Sub Division up to 85% Loan to Value
  • Maximum acreage 5 acres

Payment Example
Payment $19.69 per $1,000 financed
for a 60 month term at 6.75 % APR*

PERSONAL LOANS
Personal loans are available for a term up to 48 months.
Daily Periodic Rate (DPR) Range of: 0.022603%-0.049315%
Annual Percentage Rate (APR) Range of: 8.25%-18.00%
APR base of: 13.25%.

OVERDRAFT LINE OF CREDIT
Daily Periodic Range (DPR): 0.049315%
Annual Percentage Rate Base is 18.00%

SHARE SECURED LOANS
Up to 60 Months
Daily Periodic Range (DPR): 0.005753%
Annual Percentage Rate Range is 2.10% when secured by Primary Savings.

CERTIFICATE SECURED LOANS – CERTIFICATE SECURED (VARIABLE RATE)
The Annual Percentage Rate (APR) for advances secured by Share Certificate will be equal to the Dividend Rate being paid on the Share Certificates offered as security (Index Value) plus a Margin of 2.00%. The Share Certificate must be continuously renewed until the advance has been completely repaid. Failure to renew will result in a default under this plan. When the Share Certificate is renewed the APR will change to reflect the new Index Value and Margin. Any increase or decrease in the APR will affect the number of payments you will make under the account. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The APR and the Daily Periodic Rate (DPR) will be disclosed on the Receipt, Voucher or Disbursement Receipt provided at the time of the advance.

Risk Based Pricing

Effective Date: 1/7/2014

Risk Based Pricing is approved by the Board of Directors.

The base rates and future risk adjustments are proposed to the Board of Directors by the Asset Liability Committee.

The base rates in effect at any given time are listed on the LoanLiner Addendum.

The following percentage increases or decreases are to be applied to the established Base rates according to the credit score. On a joint application , Loan Officers are to use the highest score of the applicants. On applications where no credit score is available- the loan would be priced as if the score was less than 550.

Loan Officers are not permitted to vary from this pricing, unless it is via an approved policy.  All loans subject to credit approval.

At no time will rate be less than 3.25% on new or 3.50% on used vehicles or greater than 18.00%. The floor rate for RV’s, Boats, and Motorcycles will be 4.25%.

Credit Score Rate
<550 Base Rate PLUS 8%
550-599 Base Rate PLUS 6%
600-624 Base Rate PLUS 3%
625-639 Base Rate PLUS 1.5%
640-689 Base Rate ————
690-724 Base Rate MINUS 1%
725-749 Base Rate MINUS 2%
750-799 Base Rate MINUS 4%
800+ Base Rate MINUS 5%

CHECKING ACCOUNTS

SAVINGS ACCOUNT

REAL ESTATE

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