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Loan Rates
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As Low As:
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Annual
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Maximum
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Percentage
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Loan Type
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Guidelines
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No. of Months
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Rate *
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New/Used Vehicles
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80% - 100% of Purchase
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60 Months
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5.75 - 6.25%
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2006 – 2009 Model
Years
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80% - 100% of Purchase
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72 Months
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6.25 - 6.75%
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*Other Terms Available
( 3 yr - 7 yrs)
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Used Vehicles 2002 – 2005
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80% - 100% of Retail Book
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60 Months
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6.75 – 7.25%
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Older Used Vehicles
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Up to 100% Retail
Book*
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60 Months
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7.75%
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Classic Vehicles
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100% Fair Value Blue
Book
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60 Months
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8.00%
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Commercial Vehicles
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80% Purchase/Appraised
Value
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60 Months
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7.75 – 8.25%
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New/Used Boat &
Trailer
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New - 90% of Cash Price
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*60 - 120 Months
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7.75 – 8.75%
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Motorhome or Travel
Trailer
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Used - 80% of Retail
Blue Bk
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*(Rate varies by Term)
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New Personal
Watercraft
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90% of Purchase Price
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*60 - 72 Months
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7.75 – 8.25%
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New Motorcycles
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Including Tax &
License
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*(Rate varies by Term)
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Stock Secured Loan
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75% Market Value
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48 Months
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8.00%
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Share Secured
Loan
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Share Available
Balance
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36 Months
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Div Rate + 3%
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Certificate Secured
Loans
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Up to Certificate
Balance
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6 - 60 Months
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Div Rate + 3%
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Signature Loans
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Minimum Payment $45
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60
Months
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9.95%
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Ready Chek
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See Loan Officer
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Line of Credit
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10.45%
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Share Draft Overdraft
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Maximum Loan $1000
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Line of Credit
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16.00%
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1st Trust Deed Loans
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Up to 80% Appraised
Value
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Up to 30 years
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Ask for current rate
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2nd Trust Deed Loans
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Up to 80% LTV / Max
$150k
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Up to 15 years
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7.25%
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Home Equity Line of
Credit
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Up to 80% LTV / Max
$150k
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15 Years
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5.00%
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Homeowner Loan
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* Up to 80% LTV max
$150,000
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Up to 5 years
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5.25%
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1st or 2nd Trust Deed
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Up to 7 years
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5.75%
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Up to 10 Years
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6.25%
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Visa
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No Annual Fee
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12.90%
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Shares Secured Visa
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No Annual Fee
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15.90%
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Effective:
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10/7/2008
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