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Risk-Based | Loans | Savings
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All rates subject to change.
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New / Used Vehicle & all R.V.'s 2007 & Newer
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 60 months |
6.250 |
6.750 |
7.250 |
10.000 |
11.250 |
| 72 months (loan amount greater than $20,000) |
6.750 |
7.250 |
7.750 |
11.000 |
12.250 |
| 84 months (loan amount greater thatn $30,000) |
8.000 |
9.000 |
10.000 |
11.750 |
13.000 |
| 96 months (loan amount greater tahtn $40,000) |
8.750 |
9.750 |
10.750 |
12.000 |
13.250 |
2004 thru 2006 Vehicles & R.V.'s
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 60 months |
6.750 |
7.250 |
8.250 |
10.250 |
12.000 |
| 72 months (loan amount greater than $20,000) |
7.500 |
8.500 |
9.500 |
11.250 |
12.500 |
| 84 months (loan amount greater thatn $30,000) |
9.500 |
10.500 |
11.500 |
12.750 |
14.000 |
| 96 months (loan amount greater than $40,000) |
10.000 |
11.000 |
12.000 |
13.250 |
14.500 |
2001 thru 2003 Vehicles & R.V.'s
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 60 months |
7.500 |
8.500 |
9.500 |
11.250 |
12.500 |
| 72 months (loan amount greater than $20,000) |
8.500 |
9.500 |
10.500 |
12.250 |
13.500 |
| 84 months (loan amount greater than $30,000) |
10.500 |
11.500 |
12.500 |
13.750 |
15.000 |
| 96 months (loan amount greater than $40,000) |
11.000 |
12.000 |
13.000 |
14.250 |
15.500 |
2000 & older Vehicles & R.V.'s
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 48 months |
9.250 |
10.250 |
11.250 |
12.500 |
13.750 |
| 60 months (loan amount greater than $20,000) |
10.250 |
11.250 |
12.250 |
13.500 |
14.750 |
| 72 months (loan amount greater than $30,000) |
11.250 |
12.250 |
13.250 |
14.500 |
15.750 |
| 84 months (loan amount greater than $40,000) |
11.750 |
12.750 |
13.750 |
15.000 |
16.250 |
Signature
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Signature Loan |
10.900 |
11.900 |
12.900 |
15.900 |
16.900 |
| Visa Credit Card |
10.900 |
11.900 |
12.900 |
13.900 |
14.900 |
| Overdraft Protection |
12.900 |
13.900 |
14.900 |
15.900 |
16.900 |
Collateral (Guns, Jewelry, & other per policies)
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| |
12.500 |
13.500 |
14.500 |
15.500 |
16.500 |
New Mobile Homes (Non Real Estate Loans) 90% Financing
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| $0 to $18,000 |
11.500 |
12.500 |
13.500 |
14.500 |
15.500 |
| $18,001 to $25,000 |
12.500 |
13.500 |
14.500 |
15.500 |
16.500 |
| $25,001 to $35,000 |
13.500 |
14.500 |
15.500 |
16.500 |
17.500 |
| $35,001 to $50,000 |
14.500 |
15.500 |
16.500 |
17.500 |
18.000 |
Used Mobile Homes (Non Real Estate Loans) 75% of Avg. Retail or Appraisal
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| $0 to $18,000 |
14.000 |
15.000 |
16.000 |
17.000 |
18.000 |
| $18,001 to $25,000 |
14.500 |
15.500 |
16.500 |
17.500 |
18.000 |
| $25,001 to $35,000 |
15.000 |
16.000 |
17.000 |
18.000 |
18.000 |
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*APR = Annual Percentage Rate
New Vehicle & All R.V.'s - (90% Financing of MSRP) Will consider new on refinance if purchased within 6 months.
Older vehicles-insurance may be waived at loan officer s discretion of loan officer @ 36 mo. Max payback @ 12.5 base rate.
Pricing
**Deduct % off of rate for automatic pmt. (Does not include unsecured loans & share secured)
***Risk Based pricing does not apply to Share Secured Loans***
***NO RATES HIGHER THAN 18%***
Go To Loan Application | Go To Calculators | Back to Top
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| Loans |
Rate |
APR* |
Term |
|
| Share Secured (Above dividend rate being paid on shares) |
|
2.500 |
n/a |
Calculator |
| Savings |
Minimum Balance |
Dividend Rate |
APY* |
Term |
| Base Share (savings) |
$100.00 |
1.750 |
1.762 |
n/a |
| Auxilliary (savings) |
$100.00 |
1.500 |
1.508 |
n/a |
| Dividend Earning Draft |
$100.00 |
1.250 |
1.257 |
n/a |
| Double Nickel |
$100.00 |
1.750 |
1.764 |
n/a |
| Christmas Club |
$5.00 |
3.050 |
3.093 |
n/a |
| Peewee Penguin |
$5.00 |
1.750 |
1.762 |
n/a |
| Summer Club |
$5.00 |
3.050 |
3.093 |
n/a |
| Traditional IRA |
$5.00 |
3.900 |
3.970 |
n/a |
| Roth IRA |
$5.00 |
3.900 |
3.970 |
n/a |
| Educational IRA |
$5.00 |
3.900 |
3.970 |
n/a |
| Mega Money $100.00 to $3000.00 |
$100.00 |
1.650 |
1.663 |
n/a |
| Mega Money $3000.01 to $10500.00 |
$100.00 |
1.750 |
1.764 |
n/a |
| Mega Money $10500.01 and over |
$100.00 |
1.850 |
1.866 |
n/a
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*APY = Annual Percentage Yield
Dividend Earnings Share Draft Account $500.00 minimum balance to avoid a service charge of $5.00 per month.
Mega Money Accounts $1,000.00 minimum balance to avoid a service charge of $25.00 per month.
Average daily balance computation method Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
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