| Account Type |
Maximum Term |
Annual Percentage Rate |
| Vehicle Loans |
|
|
New Auto
(rates reflect 1/2% discount for direct payment) |
Up to 36 months
37 – 48 months
49 - 72 months |
as low as 2.50%*
as low as 3.50%*
as low as 4.50%* |
Used Auto
(rates reflect 1/2% discount for direct payment) |
Terms to 60 months
(term dependent on age of vehicle) |
as low as 5.49%* |
New Motorcycle
(rates reflect 1/2% discount for direct payment) |
Up to $20,000, 60 months
Over $20,000, 72 months
(no downpayment required) |
as low as 6.49%* |
Used Motorcycle
(rates reflect 1/2% discount for direct payment) |
Up to $20,000, 60 months
Over $20,000, 72 months
(15% downpayment required) |
as low as 7.49%* |
New RV
(rates reflect 1/2% discount for direct payment) |
84 months
(15% downpayment required) |
as low as 6.49%* |
Used RV
(rates reflect 1/2% discount for direct payment) |
72 months
(15% downpayment required) |
as low as 7.49%* |
| Consumer Loans |
|
|
| Appliance |
24 months |
12.0% |
| Computer |
36 months |
10.0% |
| Dental |
48 months |
12.0% |
| Home Improvement |
Up to $7,500, 48 – 60 months
$7,501 – $12,500, 72 months
|
9.5% |
| Lawn Equipment |
48 months |
10.0% |
| Holiday |
Must be paid by June 30 of
following year
(available in Nov. and Dec.) |
10.0% |
| Vacation |
Up to $1,000, 12 months
$1,001 – $4,500, 24 months |
9.0%
10.0% |
| Bill Consolidation |
< $1,000, 12-month term
$1,001 – $5,000, 36-month term
|
12.0% |
| Personal |
12 months
24 months
36 months |
10.99%
11.49%
11.99% |
| Hypothecation |
Based on amount borrowed |
5.0% |
| Education Loans |
|
|
| Education |
Up to $5,000/yr., up to 48 months;
not to exceed $15,000
$10,000 +, up to 60 months
|
9.99% |
| Interest-Only Student |
Years 1&2, $2500 max.
Years 3&4, $5000 max
|
9.0% |
| Real Estate |
|
|
Home Equity
($150 document
preparation fee)
|
Fixed Rate:
5 year
6 year
7
year
Variable Rate:
(5 year draw - floor of 4.50%) |
4.50%
5.50%
6.50%
Prime minus 1/2% |
