| CONSUMER LOAN RATES - EFFECTIVE 12/21/11 |
| DESCRIPTION |
MONTHS |
A Rate |
| *New Vehicle Loans
Includes Current or Prior Year Used Vehicles With Under 15,000 Miles |
36 |
3.25% |
| 48 |
3.50% |
| 60 |
3.75% |
| New Vehicle Only >$20,000 |
72 |
4.00% |
| |
|
|
| Used Vehicle Loans |
|
|
| Used Vehicle Loans (2010-11) < 35k miles |
72 |
3.95% |
| 2007 to 2010 model |
60 |
3.50% |
| 2007 to 2010 model |
48 |
3.50% |
| 2007 to 2010 model |
36 |
3.50% |
| 2004 to 2006 model |
48 |
4.50% |
| 2004 and older |
36 |
5.95% |
| |
|
|
| Boats: |
|
|
| Used |
48 |
5.95% |
| New |
60 |
5.25% |
| |
|
|
| **Other Secured Loans |
|
|
| Used |
36 |
7.50% |
| New |
48 |
6.50% |
| New |
60 |
6.75% |
| |
|
|
| Deposit Secured |
|
|
| Shares or Certificates |
60 |
2% Over Dividend Rate |
|
|
Minimum 4%. |
| Single Payment |
12 |
Not to exceed Maturity of CD |
| |
|
|
| Business Loans |
|
None at this time |
| |
|
|
| Unsecured Loans |
|
|
| Single Payment |
6 |
9.25% |
| Line of Credit/OE |
OE |
11.25% |
| Closed End |
12 |
10.70% |
| Closed End |
24 |
11.00% |
| Closed End |
48 |
11.25% |
| Credit Rebuilding Loan |
|
18.00% |
| |
|
|
| Visa |
|
|
| Visa Gold (No Annual Fee) |
|
9.95% |
| Visa Classic (No Annual Fee) |
|
14.95% |
* Vehicle loans include cars, trucks, vans and
motor homes.
** Other secured loans include motorcycles, garden
tractors, 4 wheelers, trailers, etc.
*** Maximum 48 month for all vehicles
with more than 65,000 miles.
LTV based on NADA retail for used vehicles or
MSRP for new Vehicles. |
