| |
Loan Rates Effective as of November 20, 2008
| Product |
Annual
Percentage Rate |
Max Time |
Limits |
 |
| Autos New & Used |
5.49% |
36 months |
20% Down Payment |
|
|
| Autos New & Used |
5.74% |
48 months |
20% Down Payment |
|
|
| Autos New & Used |
5.99% |
60 months |
20% Down Payment |
|
|
| Autos New & Used |
6.50% |
Over 60 months |
20% Down Payment |
|
|
| Autos New & Used |
5.99% |
36 months |
81% - 110% Financing |
|
|
| Autos New & Used |
6.24% |
48 months |
81% - 110% Financing |
|
|
| Autos New & Used |
6.49% |
60 months |
81% - 110% Financing |
|
|
| Autos New & Used |
7.00% |
Over 60 months |
81% - 110% Financing |
|
|
| Energy and Fuel Conservation |
3.90% |
24 months |
$3,000.00 |
|
|
| Personal |
13.50% |
48 months |
$15,000† |
|
|
| Personal Line of Credit |
13.50% |
Revolving |
$25,000† |
|
|
| Computer |
9.90% |
48 months |
$15,000† |
|
|
| Overdraft Line of Credit |
13.50% |
Revolving |
$25,000† |
|
|
| Guarantor |
13.50% |
60 months |
$15,000† |
|
|
| Share Secured |
^ |
120 months |
Available balance in account. |
|
|
| Visa Platinum Tier #1 |
9.90% |
Revolving |
$25,000† |
|
|
| Visa Platinum Tier #2 |
10.90% |
Revolving |
$25,000† |
|
|
| Visa Platinum Tier #3 |
11.90% |
Revolving |
$25,000† |
|
|
| Collegiate Credit Card |
12.90% |
Revolving |
$2,500.00 |
|
|
| Home Improvement |
8.75% |
36 months |
$15,000† |
|
|
| Home Improvement |
9.75% |
60 months |
$15,000† |
|
|
| Home Improvement |
10.50% |
84 months |
$15,000† |
|
|
| Recreational Vehicle - New & Used |
8.00% |
36 months |
90% Financing |
|
|
| Recreational Vehicle - New & Used |
8.30% |
60 months |
90% Financing |
|
|
| Recreational Vehicle - New & Used |
8.80% |
120 months |
90% Financing |
|
|
| Motorcycle - New & Used |
8.00% |
36 months |
100% Financing |
|
|
| Motorcycle - New & Used |
8.30% |
48 months |
100% Financing |
|
|
| Motorcycle - New |
8.80% |
72 months |
100% Financing |
|
|
| Motorcycle - Used |
8.80% |
60 months |
100% Financing |
|
|
| New boat |
8.00% |
36 |
90% of MSRP |
|
|
| Used boat |
8.00% |
36 |
Wholesale value |
|
|
| New boat |
8.30% |
60 months |
90% of MSRP |
|
|
| Used boat |
8.30% |
60 months |
Wholesale value |
|
|
| New boat |
8.80% |
120 months |
90% of MSRP |
|
|
| Used boat |
8.80% |
120 months |
Wholesale value |
|
|
| Up to 80% Loan- to- Value Home Equity Loan |
6.68% |
60 months |
$250,000 |
|
|
| Up to 80% Loan- to- Value Home Equity Loan |
7.80% |
240 months |
$250,000 |
|
|
| Up to 80% Loan- to- Value Home Equity Loan |
7.15% |
120 months |
$250,000 |
|
|
| Up to 90% Loan- to- Value Home Equity Line |
4.25% |
10yr Draw, 10yr Repay |
$100,000 |
|
|
| Up to 80% Loan- to- Value Home Equity Loan |
7.45% |
180 months |
$250,000 |
|
|
| Over 80% Loan-to-Value Home Equity Loan |
7.45% |
60 months |
$25,000 |
|
|
| Over 80% Loan-to-Value Home Equity Loan |
7.90% |
120 months |
$25,000 |
|
|
| |
|
| |
| * |
Loan
Rates are subject to change monthly. |
|
|
| ** |
Financing based on manufacturer's suggested retail price for new cars and NADA retail value for used cars. |
|
|
| *** |
Rate
adjusts monthly 1/4% below the prime rate as published in the
Wall Street Journal on the last Thursday.
|
| ^ |
Interest rate
is 3.00% above interest earned.
|
| † |
Total amount
of all unsecured loans and lines of credit may not exceed $50,000 per member.
|
|
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| |
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