Rates

Loans Shares Fee Schedule and Limits

Effective as of: March 2016
Loan Rates
New Vehicles
2016 (MSRP)
TermAPR
3 yrs (36 months)3.25%
4 yrs (48 months)3.50%
5 yrs (60 months)3.75%
6 yrs (72 months)4.00%
7 yrs (84 months)4.25%
 
2015 - 2013 (Clean Retail)
TermAPR
3 yrs (36 months)3.25%
4 yrs (48 months)3.50%
5 yrs (60 months)3.75%
6 yrs (72 months)4.00%
7 yrs (84 months)4.25%
Recreational Vehicles
TermAPR
8 yrs (96 months)4.50%
9 yrs (108 months)4.75%
 
Used Vehicles
2012 - Older* Clean Retail
TermAPR
2 yrs (24 months)3.50%
3 yrs (36 months)4.00%
4 yrs (48 months)4.50%
5 yrs (60 months)5.00%
6 yrs (72 months)5.50%
* Not to exceed 20 years
Recreational Vehicles
TermAPR
7 yrs (84 months)6.00%
 
Debt Consolidation
5 yrs (60 months)10.00%
 
Personal
2 yr (24 months)9.50%
 
Share Secured**
2.50% PLUS
** 2.50% over the current rate on CD or Share account
 
Other***
6.50%
***(Riding lawn mowers, backhoes)
 
Home Equity Line of Credit
20 yrs (240 months)5.00%
 
A $50.00 charged will be required on all refinances less than 3 payments made.
Deferred payment fee $25.00 (not less than 12 consecutive months). Minimum interest on loans $20.00
1% principal fee charged on all refinances lowering rate and payment.
All of the posted loan rates are the starting point we use when calculating a loan. The interest rate could go up or down depending on your credit score and the loan to value of the collateral that we are using.

 

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