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LOAN RATES

Loan Special October 2014 thru December 2014:  0.75% discount off the normal rate received for New Vehicles.  0.50% discount off the normal rate received for Used Vehicles and Recreational Vehicles.

New Home Equity Loans and Second Mortgage loans of $20,000 or more will receive a $100 Lowes Gift Card.

 

New Vehicle Rates 

As Low As 1.50% with Current Sale and Direct Deposit!

Credit Score

24 Months

36 Months

48 Months

60 Months

72 Months

730+              A+

2.50%

2.75%

3.00%

3.25%

3.50%

680-729         A

3.50%

3.75%

4.00%

4.25%

4.50%

640-679         B

4.50%

4.75%

5.00%

5.25%

5.50%

600-639         C

6.00%

6.25%

6.50%

6.75%

7.00%

550-599         D

8.50%

8.75%

9.00%

9.25%

N/A

549 or less     E

11.00%

11.25%

11.50%

11.75%

N/A

NOTE: 72 month loans only available on amounts of $25,000 or more.

 

Used Vehicle Rates

As Low As 2.00% with Current Sale and Direct Deposit! 

Credit Score 24 Months 36 Months 48 Months 60 Months 72 Months

 730+            A+

2.75% 

 3.00%

3.25% 

3.50% 

3.75% 

680-729        A 

3.75% 

4.00% 

4.25% 

4.50% 

4.75% 

640-679        B 

4.75% 

5.00% 

5.25% 

5.50% 

5.75% 

600-639        C 

6.25% 

6.50% 

6.75% 

7.00% 

7.25% 

550-599        D 

8.75% 

9.00% 

9.25% 

9.50% 

N/A 

549 or less    E 

11.25% 

11.50% 

11.75% 

12.00% 

N/A 

NOTE: 72 month term available on 2013-2012 model years - only on amounts of $25,000 or more.

60 month term available on 2013-2010 model years

48 month term available on 2009-2008 model years

36 month term available on 2007-2006 model years

24 month term available on 2005 and older

100,000 miles or less only; No salvage or rebuilt titles

 

Recreational Vehicles (New and Used)

Motorcycle, Boat, Camper & RV  

Credit Score

36 Months

48 Months

60 Months

72 Months

96 Months

120 Months

730+           A+

3.75%

4.00%

4.25%

4.50%

4.75%

5.25%

680-729      A

4.25%

4.50%

4.75%

5.00%

5.25%

5.75%

640-679      B

5.25%

5.50%

5.75%

6.00%

6.25%

6.75%

600-639      C

7.75%

8.00%

8.25%

8.50%

8.75%

9.25%

550-599      D

10.25%

10.50%

10.75%

11.00%

N/A

N/A

549 or less  E

16.25%

16.50%

N/A

N/A

N/A

N/A

NOTE: The maximum loan amount for a new boat is $50,000

The maximum loan amount for a used boat is $30,000

72 month loans must be $25,000 or more

96 month loans must be $35,000 or more

120 month loans must be $45,000 or more

 

Unsecured Loans 

Credit Score

48 Months

730+             A+

8.00%

680-729        A

9.00%

640-679        B

10.00%

600-639        C

12.75%

550-599        D

14.75%

549 or less    E

16.75%

NOTE: Unsecured loans can not exceed $10,000 

 

Current Home Equity Rate  

70%

3.25%

80%

4.25%

No Discounts Offered

 

Second Mortgage One Time Advance 

70%

4.00%

80%

5.00%

No Discounts Offered

Share/CD Secured Loans

3% above what is being earned at the time of advance.

 Visa Credit Cards


11.99%

No Discounts Offered 

 

Share Rates

 
Regular Share       0.02% APR      0.02% APY
Share Draft            0.00% APR      0.00% APY
IRA                        0.15% APR      0.15% APY
Club Accounts        0.02% APR      0.02% APY
 

All Rates Subject to Change

 

Certificate Rates
 
$500 Minimum
3 Month      0.05% APR      0.05% APY
6 Month      0.05% APR      0.05% APY
12 Month    0.05% APR       0.05% APY
18 Month    0.15% APR       0.15% APY
24 Month    0.15% APR      0.15% APY
 
$1000 Minimum
3 Month      0.05% APR      0.05% APY
6 Month      0.05% APR      0.05% APY
12 Month    0.05% APR      0.05% APY
18 Month    0.15% APR      0.15% APY
24 Month    0.15% APR      0.15% APY
 
$5000 Minimum
3 Month      0.05% APR      0.05% APY
6 Month      0.05% APR      0.05% APY
12 Month    0.05% APR      0.05% APY
18 Month    0.15% APR      0.15% APY
24 Month    0.15% APR      0.15% APY
 
$10,000 Minimum
3 Month      0.05% APR      0.05% APY
6 Month      0.05% APR      0.05% APY
12 Month    0.05% APR      0.05% APY
18 Month    0.15% APR      0.15% APY
24 Month    0.15% APR      0.15% APY
 
All Rates Subject to Change
The rate you receive is based on your credit worthiness and term of loan

*Member Loyalty Discount Available on Select Loans

*Loan Sale Applied on Select Loans.  Loan Sale starts October 1, 2014.  Sale Ends December 31, 2014.  Sale is a limited time offer.  Click here for more details on loan sale.


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