Rates

New/Used Vehicles 2013 & Newer

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
48 months2.99%2.99%4.90%6.90%8.90%17.90%
60 months2.99%2.99%4.90%7.90%9.90%17.90%
72 months (loan amount greater than $15,000)2.99%2.99%4.90%8.90%10.90%17.90%
84 months (loan amount greater than $25,000)5.90%5.90%6.90%10.90%12.90%17.90%

2011 thru 2012 Used Vehicles

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
48 months2.99%2.99%4.90%9.90%11.90%17.90%
60 months2.99%2.99%4.90%9.90%11.90%17.90%
72 months (loan amount greater than $15,000)4.90%4.90%5.90%10.90%12.90%17.90%
84 months (loan amount greater than $25,000)8.90%8.90%10.90%11.90%13.90%17.90%

2008 thru 2010 Vehicles & Trailers

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
36 months2.99%2.99%4.90%8.90%12.90%17.90%
48 months4.90%4.90%5.90%9.90%13.90%17.90%
60 months5.90%5.90%6.90%10.90%14.90%17.90%
72 months (loan amount greater than $15,000)7.90%7.90%8.90%11.90%15.90%17.90%

2007 & Older Vehicles & Trailers (all years)

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
12 months4.90%4.90%9.90%11.90%12.90%17.90%
24 months5.90%5.90%10.90%12.90%13.90%17.90%
36 months6.90%6.90%11.90%13.90%14.90%17.90%
48 months7.90%7.90%12.90%14.90%15.90%17.90%

New/Used RVs - 2012 & Newer

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
60 months2.99%2.99%4.75%9.90%11.25%17.90%
72 months (loan amount greater than $15,000)2.99%2.99%4.75%10.90%12.25%17.90%
84 months (loan amount greater than $25,000)6.75%6.75%7.75%11.75%12.90%17.90%
96 months (loan amounts greater than $35,000)7.75%7.75%8.75%12.00%13.25%17.90%
Balloon 72 - 144 months
$50,000+
5.50%5.50%6.50%N/AN/AN/A

Used RVs - 2011 & Older

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
60 months2.99%2.99%4.90%10.25%11.90%17.90%
72 months (loan amount greater than $15,000)4.90%4.90%4.90%11.25%12.50%17.90%
84 months (loan amount greater than $25,000)7.75%7.75%8.75%12.75%13.90%17.90%
96 months (loan amount greater than $35,000)8.75%8.75%9.75%13.25%14.50%17.90%

Signatures

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
Signature Loan8.90%8.90%10.90%13.90%16.90%17.90%
Visa Credit Card10.90%11.90%12.90%13.90%14.90%18.00%
Line of Credit/Overdraft10.90%10.90%11.90%13.90%14.90%18.00%

Collateral (Jewelry, & other per policies)

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
12.50%13.50%14.50%15.50%16.50%18.00%

New Mobile Homes (Non Real Estate Loans) 90% Financing

Credit Rating

A+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
84 Months11.50%12.50%13.50%14.50%15.50%17.90%
96 Months12.50%13.50%14.50%15.50%16.50%17.90%
120 Months13.50%14.50%15.50%16.50%17.50%17.90%
144 Months14.50%15.50%16.50%17.50%18.00%18.00%

Used Mobile Homes (Non Real Estate Loans) 75% of Avg. Retail or Appraisal

Credit RatingA+

APR*
A

APR*
B

APR*
C

APR*
D

APR*
E

APR*
60 Months14.00%15.00%16.00%17.00%18.00%18.00%
72 Months14.50%15.50%16.50%17.50%18.00%18.00%
84 Months15.00%16.00%17.00%18.00%18.00%18.00%
96 Months16.00%17.00%18.00%18.00%18.00%18.00%

Loans shared secured

LoansRateAPR*Term
Share Secured (Above dividend rate being paid on shares)2.00%n/aCalculator

Savings

SavingsMinimum BalanceDividend RateAPY*Term
Base Share (savings)$100.00.10.10n/a
Auxilliary (savings)$100.00.10.10n/a
Dividend Earning Draft$100.00.00.000n/a
Double Nickel$100.00.200.200n/a
Christmas Club$5.00.200.200n/a
Peewee Penguin$5.00.499.500n/a
Summer Club$5.00.200.200n/a
Traditional IRA$5.00.300.300n/a
Roth IRA$5.00.300.300n/a
Educational IRA$5.00.300.300n/a
Mega Money$100.00 to $20,000.00$100.00.150.150n/a
Mega Money$20,000.01 to $75,000.00$100.00.200.200n/a
Mega Money$75,000.01 and over$100.00.250.250n/a
Revocable Trust$100.00.100.100n/a

*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.