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Rates as of July 1, 2009

Type of Loan *APR Term
Your rate may vary from the rates below and will be determined by your credit history
Unsecured Loans  Rates as low as 6.50% Up to 60 Months
Recreational Vehicles, Boats, RVs, Campers, etc. Rates as low as 7.50% Up to 60 Months
     
Auto (New & Used) 3 YR Rates as low as 4.25% 12 to 36 Months
Auto (New & Used) 4 YR Rates as low as 4.75% 37 to 48 Months
Auto (New & Used) 5 YR Rates as low as 4.75% 49 to 60 Months
Auto (New Only) 6 YR Rates as low as 6.99% 60 to 72 Months
10 Year Fixed Rate 2nd Mortgage Rates as low as 5.50% 10 Years
15 Year Fixed Rate 2nd Mortgage Rates as low as 6.50% 15 Years
Home Equity Line of Credit Indexed to Prime Rate
  4.00% Adjustable 10 Year Draw
VISA Classic 12.99%  
VISA Gold 11.99%  
VISA Advance 9.99%  
Share Secured 4.99%  
Certificate Pledge 2.00% Above Cert Rate  
S/D Overdraft 14.50%  
 
 

Disclosures

Unsecured Loans: Rates are subject to change without notice. Maximum unsecured individual limit $10,000, Comaker $15,000. Repayment Example: a 2 Year $5,000 Personal Loan at 6.99% Annual Percentage Rate (APR) will have 24 Monthly Payments of 222.87, a 5 Year $10,000 Personal Loan at 9.99% APR will have 60 monthly payments of 212.45.

Auto Loans: Rates Subject to change without notice. Maximum Loan to Value of 115% of NADA book value new or used. Repayment Example: a 3 Year $10,000 Car Loan at 4.99% Annual Percentage Rate (APR) will have 36 Monthly Payments of $299.69, a 4 Year $10,000 Car Loan at 4.99% APR will have 48 monthly payments of $230.27, a 5 Year $20,000 Car Loan at 4.99% APR will have 60 monthly payments of $400.81, a 6 Year $25,000 Car Loan at 7.50% APR will have 72 monthly payments of $432.30.

Fixed Rate Second Mortgages: Rates subject to change without notice. Maximum Loan to Value of 90% of Appraised Value. No closing costs for loans $25,000 and above. Repayment Example: a 5 Year $25,000 Home Equity Loan at 5.50% Annual Percentage Rate (APR) will have 60 Monthly Payments of $477.57, a 10 Year $30,000 Home Equity Loan at 6.25% APR will have 120 monthly payments of $325.61, a 15 Year $35,000 Home Equity Loan at 6.99% APR will have 180 monthly payments of $314.43.

Home Equity Line of Credit: Minimum Credit Line is $10,000, 10 Year Draw Period and Fifteen Repayment Period. Minimum Monthly Payment is 1% of Credit Line outstanding. The Annual Percentage Rate (APR) is variable twice a year and will be established based on an Index value equal if the Prime Rate as published in the Northeastern edition of The Wall Street Journal on the last billing business day in December and June.

Share Secured: Repayment Example: A 3 Year $5,000 Share Secured Loan at 4.99% APR will have 36 monthly payments of $149.84.

Recreational Vehicle: Loan to value is 100%. Repayment Example: a 10 Year $25,000 Recreational Vehicle at 6.99% Annual Percentage Rate (APR) will have 120 Monthly Payments of $208.33

Computer Loan Special: Up to 100% of the cost of a Personal Computer with peripherals and tax. Repayment Example: a 2 Year $3,000 Computer Loan at 4.99% Annual Percentage Rate (APR) will have 24 Monthly Payments of $153.53