| As
of May 9, 2008
APR = Annual Percentage Rate
SAVE
UP TO 1.50% APR
On
financing for New or Used Cars, Trucks, RV's,
Motorcycles, and All Other Secured Rates
by doing the following:
- 1/4%
for Automatic Payment Transfer from: savings/checking
or payroll deduction
- 1/4%
for Direct Deposit
- 1/4%
for Bill Pay users
- 1/4%
for Internet loan applications
- 1/2%
for Home Equity Loan or Line of Credit
borrowers
- 1/4%
for each 10% down
- Rate
buy downs cannot exceed 1.50%
in total
| New
Vehicle (less than 7500 miles) |
| Term |
Rates
as low as |
Line
of credit |
|
0 - 24 months |
6.49% APR* |
n/a
|
| 25 -
36 months |
6.69%
APR* |
n/a
|
| 37-48
months |
6.84% APR* |
n/a
|
| 49-60
months |
6.99% APR* |
n/a
|
| 61-72**
months |
7.14% APR* |
n/a
|
| |
|
Used Vehicles (07,06,05,04,03,02) |
| Term |
Rates
as low as |
Line
of credit |
| 0 -
24 months |
6.49%
APR* |
n/a
|
| 25-36
months |
7.14%
APR* |
n/a
|
| 37-48
months |
7.19%
APR* |
n/a
|
| 49-60 months |
7.29% APR* |
n/a
|
| 61-72**
months |
7.44%
APR* |
n/a
|
| |
|
All Other Secured (includes older than 02' vehicles,
CPI vehicles, small RV's) |
| Term |
Rates
as low as |
Line
of credit |
| 0-24
months |
9.49%
APR* |
n/a
|
| 25-36
months |
9.89%
APR* |
n/a
|
| 37-48
months |
9.99%
APR* |
n/a
|
| |
| Share
Pledge |
| Term |
Rates
as low as |
Line
of credit |
| 0-120 months |
2% APR* over the highest regular share dividend
rate. (Rate adjusts monthly) |
n/a
|
SAVE UP TO
1.00% APR
on Fixed Home Equity Rates
by doing the following:
- 1/4%
for Automatic Payment Transfer from: savings/checking
or payroll deduction
- 1/4%
for Direct Deposit
- 1/4%
for Bill Pay users
- 1/4%
for for Internet loan applications
- Rate
buy downs cannot exceed 1.00%
in total
|
| Home
Equity Fixed |
| Term |
Rates
as low as |
Line
of credit |
| 5 year
- 85% LTV |
6.24%
APR* |
n/a
|
|
7 year - 85% LTV |
6.64% APR* |
n/a |
| 10
year - 85% LTV |
6.89%
APR* |
n/a |
| |
| Home
Equity Line |
| Term |
Rates
as low as |
Line
of credit |
| 15 year
- 85% LTV |
Prime***
|
$0-24,999
|
| 15
year - 85% LTV |
Prime-.25***
|
$25,000-$79,999
|
| 15
year - 85% LTV |
Prime-.50***
|
$80,000+
|
| 15
year - 90% LTV |
Prime+.50***
|
$0-25,000 |
Loan-to-Value (LTV)
Ratio: a percentage calculated by
dividing the amount borrowed by the price
or appraised value of the home to be purchased;
the higher the LTV, the less cash a borrower
is required to pay as a down payment.
|
| Unsecured
or Personal |
| Term |
Rates
as low as |
Line
of credit |
| 0-48
months |
9.99%
APR* |
n/a
|
| |
| Visa
|
| Product |
Rates
as low as |
Line
of credit |
Visa
Platinum Preferred
Variable Rate |
7.25%
APR**** |
$5,000-$20,000
|
Visa
Platinum Preferred
Fixed Rate |
12.50%
APR |
$5,000-$20,000
|
| Visa
Platinum Fixed Rate |
13.80%
APR |
$500
- $4,999 |
MORTGAGE
RATES (click here)
Click
here to view the VISA disclosure
APR
= Annual Percentage Rate. *Your rate will be based
on the number of years your loan is financed and
your individual credit history under our personal
credit program. **Loan amount must exceed $25,000.
***Home equity lines are a variable rate, based
on an index using the Wall Street Journal Prime
Rate and is determined by credit line. Prime Rate
is currently 5.25% APR effective 3/18/08. The lowest
85% loan to value variable rate possible is 4.250%
APR and the highest rate is 18.00% APR. The lowest
90% loan to value variable rate possible is 4.250%
APR and the highest rate is 18.00% APR, the rate
adjusts 3 times per year. Example: A $15,000 vehicle,
fixed rate home equity, or personal unsecured loan
with an APR of 5.99% and a 60 month term would result
in a monthly payment of $289.98. Note: All Home
Equities under $15,000 are subject to a $150 closing
cost. ****Visa Platinum Preferred Variable rate
is Prime + 2% . Rate cannot go below 7.00%. Rate
adjusts quarterly.
Rates
subject to change.
|