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VEHICLE LOANS |
|
Loan Product |
Annual Percentage Rate |
Maximum Daily Periodic Rate |
Percent Financed |
Repayment Period |
Additional Information |
| |
Fixed rate ranges |
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Includes: Cars, Trucks, RV's, Boats and Motor Homes |
|
From |
To |
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Vehicles Purchases Up to 2 Yrs Old / Refinances |
5.95% |
11.95% |
0.032739726 |
Up to 100% financing |
36 - 60 Months |
|
|
6.50% |
12.50% |
0.034246575 |
72 Months |
Term: 72 Months -
Minimum financing $15,000 |
|
7.00 |
13.00% |
0.035616438 |
84 Months |
84 Months - Minimum financing
$25,000 |
| |
Fixed rate ranges |
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From |
To |
GAP $275.00 |
|
VEHICLES 3 to 5 years old Purchase / Refinance 100% of NADA value |
6.55% |
12.55% |
0.034383562 |
Up to 100% financing |
36-60 Months |
|
|
6.80% |
12.80% |
0.035068493 |
72 Months |
Warranty $600.00 up to $2500.00 depending on the plan
selected, Vehicle Make Model and Year |
|
7.55% |
13.55% |
0.037123288 |
84 Months |
|
Older used vehicles over 5 years old |
8.00% |
14.00% |
0.038356164 |
80% |
36-60 Months |
Rates and Financing are offered based on applicant's credit
qualifications |
|
Classic Cars |
9.25% |
15.25% |
0.041780822 |
80% |
36-60 Months |
***Classic Cars - 80% of appraised Value |
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PERSONAL LOANS |
|
Loan Product |
Annual Percentage Rate |
Maximum Daily Periodic Rate |
Percent Financed |
Repayment Period |
Additional Information |
| |
Fixed rate ranges |
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|
From |
To |
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|
Signature Loan |
9.50% |
17.50% |
0.047945205 |
|
60 Months |
5 Year Maximum Term on Personal Loans - $5,000.00 limit or double
monthly income, whichever is less. |
|
Line of Credit |
8.99% |
16.99% |
0.046547945 |
|
|
2 Year expiration on Line of Credit Loans - $5,000.00 limit
|
|
Visa Credit Card |
|
9.90% |
0.027123288 |
|
|
25 Day Grace, $10.00 Annual Fee |
|
Overdraft Protection |
14.99% |
14.99% |
0.041068493 |
|
|
3 Year expiration on Overdraft Protection |
|
SHARE SECURED LOANS |
|
4.00% |
0.010958904 |
|
|
Rate on Share Secured is 3.00% over current Share Dividend Rate |
|
SEASONAL LOANS |
|
10.00% |
0.02739726 |
|
12 Months |
Up to $1,500.00 financed |
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2nd MORTGAGE |
|
Loan Product |
Annual Percentage Rate |
Maximum Daily Periodic Rate |
Percent Financed |
Repayment Period |
Additional Information |
| |
Fixed rate ranges |
|
|
|
|
|
From |
To |
|
|
7 Year |
5.75% |
11.75% |
0.003219178 |
80% |
84 Months |
The maximum financed will 80% of your appraised value less the balance
owing on your first mortgage. Loan costs range from $300 to $900
and may be incorporated into the loan balance. |
|
10 Year |
6.00% |
12.00% |
0.003013699 |
80% |
120 Months |
|
15 Year |
6.25% |
12.25% |
0.003082192 |
80% |
180 Months |
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HOME EQUITY |
|
Loan Product |
Annual Percentage Rate |
Maximum Daily Periodic Rate |
Percent Financed |
Repayment Period |
Additional Information |
| |
Variable rate |
|
|
|
The Annual Percentage Rate is based on the Prime Rate published in the
Money Rates Column of the Wall Street Journal plus a margin of 2.00%.
Rates may adjust semi-annually and typically will not drop below 6.50%.
Rate will not adjust more than 2.00%. Costs range from $300 to
$900. Rates and Financing are based on applicant's credit
qualifications. The maximum ANNUAL PERCENTAGE RATE that can apply
is 18.0% or the maximum permitted by law, whichever is less. |
|
LINE OF CREDIT 5 YEAR DRAW WITH UP TO 20 YEAR REPAYMENT |
6.50%
|
0.01780821 |
up to 95% |
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